Disappointed by Discovery Insure

In the December 2021 I drove into a pool of water when I was joining the highway. Discovery took my car for assessment and last week the declined to pay my claim stating few reasons. 1. It is impossible for water to reach the part of the engine which got damaged. 2. Some where around or in the engine they found water which has no soil or salt, meaning its fresh water. 3. I continuously attempted to start the car although there were warning lights/ message indicating the car cannot proceed any further.

This was so heartbreaking and disappointing on my side. For the fact that I went into a pool of water on 4 Dec and it caused the car to stop should be an indication of how much water was on the road. The fact that they say water that was found which also contributed to damages was fresh it's unbelievable. To start with rain water does not have salt and if it's a pool of water, it's obvious there will not be any soil in the water. Also noting that this assessment was done after 15 days. Technically the water would have evaporated by then if it's true. Regarding me attempting to restart my car a number of times. That is human nature. I have never driven that model before and never been in that situation before. Every normal person will attempt restarting their car if it switches it's self off. At that moment I was stressed, panicking and anxious. I was also worried that onother car can come from behind and bumb me as I was stuck in the middle of the road on a curve. My concern was my life and avoiding a collision.

I believe that the decision taken by discovery it's completely unfair.

Also. 2 assessment was done on the car but only the one that claims negligence was presented to me. I have requested the 2 reports to be made available to me. Now discovery say I must sign a declaration that the reports are for my eyes only and I cannot share them with anyone except a legal representative. But I must first ask permission from discovery to share that information with a legal representative. Which got me asking my self the validity and facts behind the reports. Example. If it was a car crash and discovery got a medical report indicating that I drove under the influence of alcohol, would they have asked me not to share the Dr's report with any one?

In short, that's my sad and bad experience with Discovery insure which was assessed by their own people and it was not taken to BMW for facts

Oooh. To add a cherry on top. My car went in with no visible/ major damages on the body. Went the towing truck brought it back. There is a big dent on the rear left bumper. I send photos on Wednesday. Till today, it's just silence.