What a worst insurance ever!

I had an accident on 1 Jan 2020, it was reported within time frames but today the 26 Feb 2020, I received a phone call to say my claim was rejected due to that I could go to identify the accident site. 1st of all I informed the so called assessor Bongumusa Gwala that I am working away from home and I could not avail myself in the week days however I made arrangements to meet up with him on Monday 10 Feb 2020, I took a day off and he never showed up. Then the next Friday they sent me a letter saying that they will reject my claim based on my failure to show an accident scene. I sent him coordinates and I signed a consent letter allowing them to access all my vehicle tracking records and they still came to me to ask for the movement report. The cherry on top was when I received a call this morning to say my claim is rejected and I must fetch my vehicle from Durban and yet they collected it in Richards Bay. I am really not satisfied with the handling of my claim where I was expected to do the work of an insurer and definitely I am taking this matter further this an absolute abuse of power by these people. This claim took two months to process and it worries me a lot if they have such a long period to resolve people's claims. It is worrying how they find a little reason not pay in spite of having collected the premiums monthly!