BAD SERVICE, BIASED REPORT, INCONSIDERATE, UNJUST OUTCOMES

My Hyundai H100 reg:WLN468GP has been insured with Auto and General for the past 7 months. On the 17th of April my vehicle was involved in an accident. The insurance company send in an assessor who declared my vehicle a write-off. I have had uninterrupted insurance for over 10 yrs of my life with different vehicles. I never thought I would have a claim declined after never ever claiming from an insurance company. My claim was given to Ms. Mamabolo to handle who told me their investigator Mr. Burger. From the moment I made a claim you could tell that the insurance was looking for a reason not to pay the claim, from asking about the previous insurance, claiming invalidity of my driver's license in their country of birth, to the service book, to my driver's incorrect route, to finally finding a perfect excuse "overload". My tyres have good thread on them, the weight of the tomatoes did not exceed the prescribed legal weight, which adequately divided between the trailer and the cab, including the weight of the drivers. The investigator never even came to see me as per email correspondence. Instead made a decision based on the information he got from the driver who can't even articulate themselves in English. My driver and crew sustained head injuries, suffering mild concussions, there's no way anyone with a normal state of mind not influenced by alterior motives, would not investigate their utterances further. I have had a Tyre burst without any load on a vehicle just by myself. My vehicle was not overloaded and was involved in an accident that could have killed my driver and crew. I thank God for protecting their lives. I was insured at the time of the accident and I expect to be reimbursed for my written off vehicle. My vehicle is roadworthy and had made the Venda trip for the past three months and never had a Tyre burst. If it was a norm, for my driver and crew to overload, they would have traffic fines on that route before. There's a scale on both the R101 and the N1 I would never risk an overload, I would never endanger the lives of my employees and other motorists by being this reckless. I am a law-abiding citizen of the country and the service I have received from Auto & General is both appalling and unjust to say the least. I will also be taking this matter with Insurance Ombudsman.