Insurance declines claim on unreasonable terms.

I was rear ended by one of auto and general clients end of January 2024. The third party claim was done and I was told 14 days for payment. After assessment I was told my vehicle is written off. At the enf of February early March I was contacted by Christine and told my claim was declined.

The reason for decline was their client told them they stopped in time and their client was pushed into me. Further to this they send me a case from 1859 which was in Afrikaans and translated to English.

Firstly how can they decline a claim on what was told to them with no proof. Secondly the case that was sent to me doesn't apply to me as it states the cars where traveling on a dusty road with a robot. In my instance there was no dusty road or robots as it was a national road.

I am sitting without a vehicle for almost 2 MO this now and my car is used for my job as I'm a technician, I now have to borrow cars or hire a car so I can get to work and earn my daily bread. This matter will be taken up to the ombudsman as I the involved in the accident felt 2 bangs which means the vehicle behind me reared me and then they got rear ended.