Late assessment - Personal cost cover

<p>Me and my fiancé was on our way to Walkhaven dog park on the 28th May 2016.</p> <p>A person caused an accident of 5 cars on the N1 south, where my car was lightly scratched on the front bumper and my friend’s car got written off.</p> <p>I parked my car on the highway to make sure my friend and his girlfriend are ok, and the whole highway was stationary at that point. As we drove away after the whole accident I saw bump on my rear left and also a little bump on my right passenger door such as the one you call “checkers trolley bump”.</p> <p>I reported everything to my insurance King Price and everything went according to plan. The repair shop sent a quotation out and I was told to pay my R3500 excess, which would cover everything.</p> <p>I booked in my car on the 4th July 2016, and the repair shop could not start working on my car before the assessor was not there. The assessor Koos from King Price only went over on the 6th July 2016, which was two days later and the repair shop started working on the car as I needed my car. After Koos was there he denied the rear bumper and the dent as they need to be classified as separate accidents and the whole process needs to be redone.</p> <p>Now I paid my excess and now I need to pay the rear bumper repair of R2850 as well, all because the assessor went over to the repair shop late and denied the payment of the rear bumper, where everything was already approved beforehand. The repair shop requires the payment to be done and now I have to cover the costs.</p> <p>The quotation was pre-approved, where I just needed to pay my excess.</p> <p>The assessor Koos only did his report two days later whereby the quotation was not fully covered by the insurance, where the repair shop did their work as the quotation was approved.</p> <p>Is it right that I need to cover the costs of the rear bumper now, or should it be covered by King Price as my insurance?</p>