Unfair assessment and poor service in time of sorrow.

Hi, I am writing this in disbelief that Ackermans policy underwritten by Hollard can dispute the police report and death certificate cause of death.

Mrs Mokoena husband passed away due to vehicle bumping the late 2022 ,police report and claim documents were submitted with cause of death as unnatural cause"MVA" but the post-mortem report is required what for?

The late did not passed on due to pre-existing condition and even so the waiting period passed over 24months. Why is it so inhuman to treat widows/widowers in their time of need?

Instead the insurance company wants to send poor woman from pillar to post and knowing very well that our pathologist are swamped with work,and it can take 5yrs or even more to be issued.

The policy is taken out for events of death and it's not even life policy where all sorts of questions or report will be required, why Hollard doesn't send forensics to investigate if there's doubt about cause of death or assessor call to validate?