Claim

I had an accident on the 15th August 2021 this 2 weeks has been a nightmare for me because I have been dealing with an impossible assessor. Our 1st interview call he told me the way the assessment is going the car will be a write off and that cane as a shock to me because my cars airbags never came out, the engine has no damages, also the lights still there only the "bamper, doors, bonett, windscreen and windows n side mirrors" but he says that's how he sees it we will see what the assessment says and we continued with the interview and to the honest truth they say the car is a write off in the actual assessment so anyway was asked questions and I answered even the drinking question came and told him I am pregnant so it was ruled out. Had to say the times the cops came and paramedics and didn't know the exact times but answered and ended up in the doctors room as I had to check up because I relieved the scene in that interview but regardless I continued with the claim because it had to be done even though I felt interrogated, being racially profiled and everything became clear to me that the assessor I was dealing with was rude and didn't care about the client is going through or feeling as long as he gets what he needs. So he went and asked for cellphone records which I told him I work for the bank I won't be able to give him access to my phone because everything is on my phone my OTP, my pins, I authenticate on my phone and lots of things and it is private and confidential and if I had to give him access and he tempers with the information on my phone I will loose my job and he didn't understand that is when I called Miway and a very sweet lady assisted me she understood me and where I came from and she emailed the assessor with my query and told him maybe at work if they vouch for me to give him access then nothing Will happen then he answered saying I am the owner of the phone and I have to give consent not my work. So I agreed to do my own affidavit as I don't feel safe with his affidavit as it has words I don't understand so he also send me and email confirming he will only need call logs, Beacon tower and received calls. After that he send me a very threatening letter to say if I don't submit those papers by the 30th of August 2021 he will reject my claim and cancel my premium didnt like the tone on the letter but I told him can't go around much because don't have a car and he promised to take me to the nearest police station but he never did. So he said he needs me to point him to the scene and I told him I don't feel comfortable going back there the accident is still fresh and my husband volunteered to show him but he declined and asked my husband what is the worst thing that can happen to me, I mean a lot I could loose my baby by reliving the traumer but that for me was a person who doesn't have sympathy but I agreed because I wanted to coorperate and asked him to go on a Sunday because I am working and already took a weeks leave after the accident happened he told me he doesn't work on weekends and that's when I asked him to compromise because if I take leave it will be unpaid and him it will be over time so he said he doesn't work over time and he doesn't ask me to take the whole day just a half day, I work at a vaccinating center there are no half days it's very busy and he told me he has arrangements already for the weekend so I must make an effort after all his helping me and this is my claim so we agreed for Thursday after work which we left at 16:00 I had to ask my boss to go off an hour before knock off time and he agreed and we drove to khutsong. While driving I ask him what is going to happen to my car as it is a write off he said they will auction it at Miway and get some money and who ever buys it will fix it and I will see it by the road side someone driving it or the dealers will fix and put back to the show room, that for me hurt a bit because they said my car is not fixable but I guess he doesn't want to fix it.

We got to the scene and showed him how it all happened it wasn't easy but did it anyway and I was ordered to go sit in the car like a little child and I went. He went to the 1st house and then the 2nd one and came back and threaten me that he has witnesses that says my little brother was driving I should tell him the truth because if he continues with the claim they will reject it and he will cancel my premium and when I buy a car no insurance will want to insure me and I told him I was the one driving the car, he then said I was even lying when I said the was a car behind me the was no car the car just turned an rolled on its own and I still told him the was a car behind me. Now I am wondering what was the reason for making a statement when my car insurance doesn't believe or not even on my side but anyway he continue and drove to another house to look for more witnesses and this time he locked me in the car, he went and knocked on people's houses asking questions and while all that was going on I felt like I was being treated like a ********, it is at night, I am locked in a strangers car and I am pregnant for 20 min or more, I felt violated my privacy when I go back home now people will take me as a ******** he painted me to be, I came back from work straight to assist with the pointing of the accident scene but instead I'm here to be treated like a ******** and called a lier, I felt intimidated how can a man treat another woman like that a pregnant one for that matter, now it all made sense why he didn't want my husband to come because he wanted to do all this things to me because I was vulnerable and I didnt understand was it because I am black and if it was a white woman will she be going through what I am going through all that kept me going was prayer to get home safe. He came back with the guy because I heard the guy say to him I wish you all the best and sorry we couldn't help you hope you get all that you need. We heard back home and when I was about to get off he asks me why I am protecting my brother and this other guy who had gas tank with them so I told him I am not I was with them and he told me he had a lot of witnesses and his going to present the case to the panel of assessors and they going to reject my claim the only thing I can do now is to cancel my claim and he will give me back my car and told him I was the one driving and he said I don't have to answer him right away I must just think about it and send him an email to cancel the claim. He said he doesn't need anything from me we are done that he is going to present his case on Thursday or Friday to the panel of assessors and I will hear from him with a decision so I took the documents I came with as he doesn't need them anymore so I bit him farewell and told him to go with God and get home safe. In the morning I get an email from him saying I must send him the documents that we agreed on and I rep**** by sending him my ID copy and told him will send others later when I knock off but again at the same time I felt so disrespected, I was treated like a ******** what did to be treated in this manner being accused at night. I have two kids at home who don't have transport to go to school, I use public transport and this process is taking so long I pay my premiums every month not even once have I skipped payment even now as I am going through this rough times I still paid my premium.

I am a 1st time claimer, it is my 1st accident but I already feel like it is a nightmare no one should go through this. Was it because I claimed I wasn't suppose to claim but what is the use of the insurance if you can't claim. I was suppose to be helped, to be relived stressed but instead my insurance is giving me more stress in this stressful time and not even once did he apologize about the treats he posed on me on the other night it is like nothing happen we must move on, I don't trust him anymore and don't want to talk to him or work with him, all I need now is to know from Miway about my car I am tired stressed and ill treated by my own insurance.