MCB Insurance Administrators and Macsteel are ********** and egotistical ********!

on the 10th of May 2022 at 9:20am, at the NewMarket Mall in Alberton, Ekhuruleni, a black driver named Kabelo Maphutsi from Macsteel in a navy blue Toyota Hilux with reg no CJ81VHGP reversed out of it's parking into the right side of my white VW POLO GTI and caused huge damage to the whole right side of my POLO GTI. I was driving past as per my right of way when Kabelo(the driver from Macsteel) bumped my car with the Toyota Hilux bakkie(Macsteel's company car) while reversing without proper observation. As per procedure we proceeded to the nearest police station in Alberton North where we had to do an accident report which clearly indicates that i was in the "right lane" as per SA road rules and therefore had 'right of way'. The Driver admitted and accepted the report of which we both signed for submission to Macsteel's insurance company namely MCB Insurance. On the 11th of May 2022, Ally from MCB -Claims sent an email admitting that the driver(Kabelo) from Macsteel was found to be in the wrong as a result of failing to fully observe whether it were safe to reverse or not and in the same email, asked me to provide 2 quotes from my own independent panel beaters. On the 12th of May, I submitted 2 quotes, one from EASTPOINT PANELBEATERS OF R37 324 and the 2nd one from BEAT A BUMP PANELBEATERS of R37 267, Ally from MCB then also asked for an affidavit from the police station that my car wasn't insured, a copy of my vehicle registration certificate and my ID copy as the owner of the damaged car. On the 13th of May, without hesitation, I personally went to the license department with public transport as i inconveniently couldn't use the same damaged car which doesn't have a side mirror as a result of this accident, to get the requested document after I incurred a traffic fine for driving a car which by law is deemed unroadworthy on the 10th of May as I was from Macsteel to meet with Thomas Nthutheni(Head of Logistics at Macsteel). I submitted all docs on the 13th as per request. On the 24th, the assessors assigned by MCB stated that they 'CANNOT COME TO THE TOWNSHIP TO ASSESS THE DAMAGES TO THE CAR, AND THAT I SHOULD MEET THEM SOMEWHERE ELSE "SAFER"' I agreed to meet them at the venue where the accident took place even after i knew i wasn't permitted to drive an unroadworthy vehicle but i took the risk anyway! after meeting with the assessors, I only got a response 2 weeks later on the 14th of June 2022 in response to my email sent on the 13th of June, that the 'Offer was with management for authorization'. Today on the 20th of June 2022, another week later, i get an email from Marche Botes (3rd part specialist) stating that I, being the complainant, was in the wrong lane and therefore a settlement offer of half the 2 different quotes reflected, this email underminingly says that I should've been more vigilant and that their driver(Kabelo from Macsteel) isn't entirely at fault, as a result "without acceptance of liability but solely to resolve this matter amicably and to avoid incurring unnecessary legal costs, we(MACSTEEL/MCB) are prepared to make an offer of R15074.17, which is tantamount to a 60/40 apportionment which is calculated as follows: Your damages - R30 118.63 X60% = R 18071.17, Our damages R7492.50 X 40% = R2997.00, Yours R18071.17 - Ours R2997.00 = R15074.17." 1. was the accident report properly read and understood? 2. their nonsensical assessors "are prohibited from driving to the township to assess the severity of the damages" - why is this? what's wrong with the township? 3. What about the inconvenience I was put through because of their reckless driver and unprofessionalism from Macsteel and their insurer MCB insurance administrators 4. the accident report is purposefully ignored and the driver's word is believed to outweigh the accident report which was signed by myself and the perpetrator, Kabelo(the driver) at the police station, a place of LAW ENFORCEMENT - this is utter ******* 5. because MCB are used to cheating people off their claims, they sent my quotes back after editing the quotation which is not their quotation to begin with, so where does MCB get the right to ammend a document that doesn't belong to them, who is the fool here? 6. If I was driving past , making my way out of NewMarket Mall and Kabelo the driver from Macsteel was reversing out of the parking bay in the Toyota Hilux company car from Macsteel, who should be in full observation if coast is clear to reverse ? was it me the passer by or Kabelo the driver who was exiting the parking bay? so why am i being made the fool here? i was on the left lane behind the driver in question so how was I in the wrong lane? 7. Why am i being forced to accept a settlement offer of a 60/40 apportionment of the damages repair costs, with MCB making a statement like " to avoid incurring unnecessary legal costs", is this a threat? is it supposed to push me to sign this settlement offer? am i being bul**** to sign, really?

I expect a fair treatment from MCB and Macsteel and acknowledgement that they are completely wrong. MCB Insurance is a service provider and Macsteel a well known steel manufacturer, surely professionalism and fairness is practiced daily!!!

This doesn't end here, I am escalating this matter to the insurance ombudsman too!