Customer service the panel beaters!!!

My sister was involved in car accident in Vryheid on the 27th December2024.The agent /customer service who was assisting her asked for pictures of the damaged side and he concluded that it will cost R35 000 and therefore Miway will not cover that and they cannot repair her car .The question is how does one make such a recommendation without sending the car into an assessment centre for them to look the damage,draft a report and then quote? So you mean MiWay agents look at pics and then estimate cost?They play all roles?Agents,assessor and panel beaters?This is the reason why I tell any MiWay agent where to get off when they call to try and sell their services. I was denied repairs to a burst geyser in 2018 and I vowed that I will never associate myself with an insurer that takes money and gives a million excuses when it’s time to repair or cover the costs. I do not recommend MiWay at all this is absurd.Where are the assessment centres affiliated with MiWay around Durban?Why are you not sending your client there first before making a decision not to repair?