Concerned citizen

I had a total loss cover with this insurance company (Nedbank Innovation group) until someone came and collided with me while I was driving in my own lane. The guy went to admit on an accident report about loosing control of his car and subsequently colliding with me. I reported the incident and I was forwarded forms which I completed and sent them back(along with AR, photos and copy of tow truck receipt) . That was on the 17 August 2020. They called me confirming that they will take the car(BMW X5M 2011) to SMD for assessment. To my surprise the insurance company got back to me on the 31st asking me to send the same forms (as if they did not receive them) and immediately I started being suspicious. I told the consultant that I had sent the forms before and immediately after call I forwarded the same email and got an apology email claiming that they received them. On the 3rd of September they called me and requested a conference call with the finance house(Nedbank MFC). During the conference call they told me they were going to write the car off and requested a statement from MFC. They ended the call by saying they will get back to me. I suspect that the moment they found out about the balance (R330 000), they decided against their initial decision because they went to hire an investigator and informed me about the decision the following day(4th) via email. I was eventually called by the investigator(From a company called Booyzee Forensic Service) who requested for an appointment and we met to discuss the incident. It was a traumatizing experience because the accident happened when I was driving with my mom, my brother and my 7 years old daughter. I was receiving counseling given how the accident occurred. I answered all the questions from the investigator who requested a 3 months bank statement, license, ID and copy service receipt(despite having the car service book). I comp**** with his requests. On the 18 September(which was Friday ) the insurance company(someone called Venetia) sent me an email proclaiming that they received a report from an investigator and will come back to me with the feedback from management the following week on Tuesday (22 September). The 22 September passed however I received no call or email from them and I started calling requesting feedback. On the 26 I sent another email requesting the feedback and the same Venetia rep**** on the 28 claiming I will received feedback same day towards end of the day. It was only on the 30th September when I received a call from the telling me they have rejected my claim citing speed. I was not surprised given the fight I already gone through to get the feedback. I requested an email and they forwarded it without the tellematics from tracker which they quoted using to get my speed. I requested the tellematics and I realized that the 90 I'm suspected to have been driving (30 seconds) was part of the accident as I was confused when other motorists were getting away from the on coming car which was going from one lane to the other. They even refused returning the car claiming it was against their own policy. I was never afforded that opportunity to explain by Innovation group. I took my case to Ombudsman and still waiting.

I urge anyone not to join this insurance even if they seem to be desperate. They are a **** hiding behind Nedbank. In fact both of them are ****s because the same Venetia denied her own name after I called them again.

Government need to close this fly by night before people loose they hard earned cash and belongings.