Disgusted with Miway Insurance

My son decided to insure he's BMW Z3 with Miway. All was well until on the 09/04/2021 a truck came on to he's lane in Westmead Pinetown. He tried to avoid it and hit the pavement. The car was not badly damaged . No body panels were damaged except side mirror / bumber and a scratch .the engine was intact . The passenger side front wheel cracked and control arm broke. The car was towed to an assessment centre were Miway said the damages were R45 000. My son was paying a premium of R760 only to be covered for R55000. Miway wants to s**** the car or he can buy it back from them at R2 0 000 + R5 500 excess which will leave him withR2 9 500 . Is that how they treat their clients wen they involved in an accident . You would expect this sort of behaviour from fly by night insurance companies. I am disgusted with the service my son got as i referred him them . Why is Miway not claiming from the trucking company and the driver with all the photos that were sent to them. It is sad to think that you are covered when you on the road and when you meet an accident you find out you are not. Miway please wake up and treat your clients with a little more dignity. These are co vid times and people still pay their premiums in full the least you can do is keep your clients happy .