Bad Experience from Insurer

It has been quite an experience dealing with my Insurance claim with Discovery, and cant say its resulted in a satisfactory manner or in a way i would have expected. * Firstly my claim was raised, and the SMS was received confirming that a consultant has been assigned to my claim.

* I had to then follow-up whether the claim was being attended to, and whether i would be assisted further.

* I then had the towing company come collect the car, from where i had parked. I merely parked it there, because i was under the assumption that the car was a risk to drive and the service lights displayed were misleading, about the car still being driveable.

* My car was involved in accident, while trying to steer away from danger, because of a failure in the car mechanics and therefore being an accident with the car.

* The Panelbeaters did an assessment as per the consultant from Discovery, and the quote was initially approved.

* I then had to follow-up with the Insurer, as the repairs were delayed by the Panelbeaters. The reason for my follow-up is because i was in a car rental scheduled for 30 days , and therefore time was of essence .

* I then got feedback that another assessment would have to take place and that was the reason for the delay. This is when begin to realise that process is not as seamless and straight forward as mentioned. The communication that i receive from the Insurer after another follow-up message to them, is that the car failure would not be fixed, because its mechanical and therefore the Insurer is not liable for it.

* My concern in regards to the above mentioned is that if the failure is the cause for the accident, and in this case i ve been placed in a bad situation or possibly worse how is Insurance helping in the instance of an accident. I currently have returned the rental, whereby the 30 days had lapsed and rightly had to returned. There's been delays with the repairs that havent communicated with me, which i had follow-up with the Insurer to get my car fixed. One thing for sure, is that the car wont fully fixed and that somehow defeats the purpose of a Insurance policy. This may fall on deaf ears, as its not a significant concern to the people that are handling this query, but the purpose was to raise the matter in a way that it would be addressed with some assertion and resolution.