Disappointing car insurance

Good day

I write this complaint after my claim was declined by Budget insurance.

I was driving home on the 19 February 2022 from work when I was approaching Manenberg I was followed by a polo which almost ran into me, I continued to drive and they continued to follow me,there were few guys in the car I panicked and I decided to drive fast so I could get help from nearest police station because at that point I knew I was about to be hijacked,they were staring at me and wanted to overtake so they can be next or infront of me. I lost control of the car hitting the pavement and crushing my car.

The accessor/investigator Chris Van Eck said to me I should have stopped or slowed down to confirm if they really wanted to hijack me. I am so angry when I was told that my claim for my car was denied based on I acted reckless.

I was merely trying to save my life but my insurance is saying I should first stopped and asked the hijackers if they really want my car.

I am a family man with a 2yrs 6months child.i was not about to risk my life and everyone knows Manenberg,gugulethu nyanga and Phillipi are the most dangerous areas in cape town or even in South Africa.

What makes me angrier is that my car has tracker so that means they can see everything where I was parked 'work' and what speed I was driving before this happened but still they saying I should risk my life.i have friends who were followed hijacked and one of them killed,these places are very dangerous and people die daily now the insurance that I trusted and paid for years is saying I must first be hijacked or killed for them to pay a claim.

I also think they are very insensitive because at work I was given a week off so I can get over the trauma and I was taking a lot pain killers at that period and my insurance Budget was busy interrogating me,when the first consulted called I told them that I was in pain and I was taking a lot of pills,they even asked what condition was the car after the accident after I have told them that I was in the ambulance at that time.i am still traumatized and my insurance is adding more trauma.

When I complained I was told by Chris Van Eck that the manager will call me then he blocked my calls(which I think is unprofessional) manager called me but couldn't comment because she said she has not checked my case. I am so disappointed and hurt by Budget insurance.