Never been this ********** in my life!

I had to claim from Discovery Insure as a Third Party after their client rammed into my vehicle.

I went from pillar to post in order to get everything that they required from me in a reasonable time frame, including a witness who gave an account detailing exactly how Discovery’s client blatantly drove into my vehicle.

They proceeded to review the merits of the case and arrived at 70/30 apportionment “in my favour”, meaning, in my mind, that I would be required to pay 30% of the assessment to repair my vehicle and they would cover 70%, which I would gladly accept and move on with my life.

They proceeded to appoint an assessor who derived an amount of R27,110.89 to repair my vehicle.

Discovery then decided to apportion the R27,110.89 repair cost by 70% and derived an amount of R18,977.62, as excepted.

However, they then proceeded to take their client’s vehicle repair cost of R14,186.84 and derived 30% of that, which amounts to R4,256.05.

They are now telling me that they are only willing to pay out R14,721.57 (i.e. 18,977.62 - 4,256.05).

My understanding was that I would be expected to only cover 30% of MY vehicle’s repair cost, but I am essentially being held liable for 30% of my own repair cost as well as that of their client! How does this equate to 70/30 when it is, in fact, 55/45?!

Never experienced this level of exploitation, especially considering the fact that I had right of way and my vehicle was severely damaged by their client who failed to observe.

Thank you, Discovery Insure.