ABSA iDirect Insurance claim staff, assessor and SMD possible in cohorts

I had a car accident on the 13th of July 2019 insurance claim number ***0*001*001. I was informed the car will be towed to SMD Boksburg of which I was not comfortable. I opted against the SMD move. SMD naturally will write-off the vehicle.

The vehicle can be repaired. However ABSA iDirect staff and the assessor not allowing vehicle to be repaired. ABSA will only give me cash in lieu-of-repairs if the vehicle was not financed.

As the owner of the vehicle, I was not given the opportunity to decide on the vehicle. It seems the decision was made by SMD. Eventually, I have to sign under duress so the claim can be closed