Unsatisfactory and extremely disapointed service and customer care from Dollar Thrifty

I was driving in a thunderstorm not knowing my whereabouts in the Bergvliet suburb of Cape Town from my late wife’s memorial, I drove 40 km/h, a vehicle approached from the front on the wrong side of the road the visibility was very bad, the road surface was wet and streams of water running, I was looking on my gps to navigate, as I focussed on the road and the vehicle approaching from the front, I jerked the car to the right to avoid head on collision, and drove over a boulder / rock. Thrifty now want to make me pay for all the damages on the vehicle although I rented the vehicle with an upgrade to their super waiver. The damages is quoted over a R100k I thought al these car rentals has their own insurance? And I am willing to pay the waiver/access but they want me to first pay a double standard waiver of approximately R26k then another amount of approximately R80k. And then a waiver amount of R11k on a diffirent invoice. The claimed that a standard waiver is for collision with no third parties and a super waiver is for colission when third party is involved… 🤔?

I am very disappointed and unsatisfied with the outcome of their handling and claim in such circumstances!

So if a pedestrian ran over the road and I swirfed out not to hit the pedestrian to avoid severe injury or fatality and hit a rock, I am responsible for the damages…? Does Dollar Thrifty have insurance at all??? Is this how they take money from customers, then they must close doors, for they know there is risk when renting out a vehicle to a customer but seems they dont provide protection for risk or any insurance of any such circumstances. My client and us use to make use of Dollar Thrifty, but this will surely be the last time, we will now rather pay more and make use of other car rentals for our client and entourage. Be carefull if you rent from them, I have all the terms and conditions and highlighted the terms and conditions which is in contrast with each other. Good luck Thrifty, but my employer and our clients will be advised to use other rental companies!