additional excess.

<p>My Son had an accident with his Bike on the 04/07/2016 , a dog ran in his way of travel and the accident was unavoidable , we have an eye witness. As per my policy Schedule we have R2,500.00 excess due because of the accident (standard excess) . There is also an additional excess of R2,000.00 for "Where more than one incident for the same type of insured event occurs within any twelve month period" --- this we accept but..."In the event of a public road accident where no third party is involved or traceable" We dont accept. I have sent our claims handler KEAbetsoe Moroenyane the letter we delivered to the dog owner advising him of the incident and that MIWAY will contact him as he will be held liable for the damages to the bike. Now KEA sent me the disclaimer to sign and R2,500.00 are being deducted for the NO third party involvement?? What more do MIWAY need from us? WE supp**** the address for the Third party, we have an eye witness. and why a deduction of R2,500.00 if this is not the amount on my policy? </p> <p> </p> <p> </p>