My experience with budget insurance and their consultant

Good day

Can I please get assistance with regards to my claim rejected by Budget insurance.

I had a vehicle accident on the 2nd of October my car was towed on the same day and all the relevant information was sent to Budget Insurance. On the 30/10/2020 I received a call from Budget advising that my car is a write off and my claim has been rejected because I didn’t take precautions. When I questioned the consultant how can it be written off because he has never told me about that, he then started saying I must wait so he can check, which made me wonder about his professionalism, he checked and said no it’s not written off.

The incident happened on a rainy day and I have given incident description to Budget with tracker report which shows the speed I was driving at and it shows the speed accelerated within a minute clearly shows that something was happening. At the time of the incident I did say I was distracted by another vehicle and in the process of trying to avoid the car I hit another car .

The claim is rejected based incident on 2 October 2020 and we confirm with this letter that payment will not be made.

This decision had to be made because of the following:

· The necessary care and precautions were not taken to prevent loss and minimise damage”

I need to know how would I have and taken precautions in this matter?

What is the reason for a car insurance?

I cannot stop at a freeway in the process

I need factual information as the rejection reason is very vague.

I feel I’m being taken for a ride as young black female and have no much knowledge about insurance.

I received a call from Budget Insurance that I have to return the courtesy car, how can I return it while my car has not been fixed and Courtesy was supposed to be for a full month.

I returned the courtesy car on the 1st of November 2020. Went to the Panelbeaters where my car is placed to go and make arrangements for me to take it, when I got there they said they didn’t receive any communication that they must release the car, tried to call the consultant twice he did not pick up and he did not get back to me, I sent him an email informing him about what happened he still didn’t reply to my email, which also makes me wonder again about his professionalism, because whenever I call he’s unlikely to answer my calls or get back to me. I even got the response regarding my claim only because I called him on that day. He had promised to get back to me on the next day which was on the 27/10/20 but he did not, I called on the 28/10/2020 he did not answer or get back to me, until I called on the 30/10/2020. I am so disappointed about the treatment I’m getting from budget insurance and to think that we support this insurance as a family, we are disappointed after the treatment I’ve received.