Truth about insurance companies

It seems that insurance companies are just there to take our money. This is my experience. I logged a third party claim at the beginning of March 2025. The client of Auto and General was driving to Durban and my son was coming to Pietermaritzburg. He had to swerve in order not to be killed by the vehicle that crossed the barrier and came flying towards him. Fortunately he avoided a head on collision. The car is a write off. So the claims started off smoothly then seemed to drag on. I had to phone in repeatedly. They told me they could not contact their client. I found that odd as I had his contact details after the accident was reported. My son had also seen him at the accident scene , where he refused treatment and left in a hurry. His vehicle was fine. Anyway while I was on the phone with Auto and General they contacted him and got his version of the truth. Today, 15/5/2025, I get told that the claim was rejected based on the fact, that they had an EMERGENCY on the road and therefore the insurance would not cover the cost. This sounds unreasonable to me. Should my son have not been on the road? If he had died, they still get off with no accountability as they had an EMERGENCY. This begs the question, why do we pay insurance every month and when there is an accident we get nothing back. So consumers out there be careful with these tele marketing companies. They will use your vulnerability and come up with terms to confuse you and refute your claims.