How insurance company's get to fool us!!

Dear Sir/Madam,

I'm writing to you to raise an issue about:

The issue that I have experience was: Very disappointing with Miway service and the way they treat their clients. The last month I spent more than R600 on airtime to phone Miway regarding my claim. Everytime the agent is busy that is working with my claim and promise me she will phone me back but neve do so. There is also no conunity between them and the client. Everytime you speak to a different consultant and the message don't get carried over the way it should! Okay let's start with my story and what exactly happened.

I was forced to use a 2 nd hand part from the s**** yard (cross member) due to the fact that the other parts are original and expensive. They told me the vehicle would be a right off if i demand a new part due to the tight budget left to repair the vehicle. So I took a day of at work to go and have a look at the 2 nd cross member. The part was still looking like new , so I decided that they may use it. I clearly asked the panelbeaters ( Great South Panelbeaters) and my insurance ( Miway ) if the other parts are original when we had the decision about the cross member. Miway replay by saying yes and the parts are very expensive and that is why we need to take the second hand part in order not to write off the vehicle. If they told me that they are going to use pirate parts. I would've told them ( Miway) to write off the vehicle. But instead they told me. There are no more room left in the budget due to the fact that the rest of the parts is brand new and original. I clearly ask that question because I was in a tight spot to make a decision to repair or to write off the vehicle. Miway even told me my retail value of R98100 on that day of the 17/08/2018. So after all the promises I gave Miway the permission to repair my vehicle and not to write it off. On Thursday 06/09/2018 5 min to 5 o'clock the assessor phone me and told me I have to come and collect my vehicleI the next day 07/09/2018. After I clearly told the insurance and the panelbeaters I need to know atleast 2 days in advance when the vehicle would be ready. Then the assessor told me. If I don't come and collect my vehicle the very next day. They will held me accountable for the storage fee over the weekend. So after a long dispute I got the assessor to inspect the vehicle. Which he was not intended to do! But he was also not willing to do so at the time I arrive at the panelbeaters. He wanted me to be there between 7 and 8 the morning. That is impossible on the short notice the distance I have to travel and a combination of the traffic. My child is only 9 years old. I can't leave her all alone in the dark before 6 in the morning at school. With all that factors in hand the assessor came to the conclusion where he will inspect my vehicle between 7 and 8 and phone me after the inspection. But the AA told me that would be like a 3 hours job to do it correctly and they will charege roughly R3200 for that. The assessor phone me at about 9 o'clock right after his inspection of an hour? That is only then when I discovered about all the pirate parts that has been used. My vehicle was supposed to be ready by Wednesday 05/09/2018 when I phoned the panelbeaters the week before. But since I demanded all the slips and proof of the work that has been done on my vehicle the previous Friday 31/08/2018 It's like everything started to slow down. No wonder why. I also told the insurance I need that information in order to do a quality control to see for myself if the work was really been done. The best part remains when the assessor phone me after 9 that Friday to come and collect my vehicle . That's when I was informed exactly what was pirate parts and what was original parts. All the body parts are pirate parts. Something they never have told me until the job has been done! I ask the assessor why did they used pirate parts. That was never discussed with me. But now the assessor assures me everything is 100% and you would not even notice the difference. He convince me it looks 100% like the original parts. Then I asked the assessor clearly do all the parts line up the why is should. And did they do all the repairs they had to do. He promised me again everything is 100% in order. He also told me once the panelbeaters are done polishing my vehicle. That it would be ready for collection it should be around 12 o'clock he rep****. Hardly 2 min after me and the assessor were on the phone. The panelbeaters phones me and told me my vehicle is ready for collection. Now there is the big question did the assessor investigate the vehicle?. Was he even there? If so he would have had to investigate the vehicle in the polishing bay. That's not making sense where people are still working on the vehicle. The vehicle looks like one of those vehicles that you buy from where the bank don't even give bank financing for. The vehicle is now not even close to it's book value and the vehicle is insured for market value. Poor workmanship cheap parts. So I left my place in Pretoria to go and collect my vehicle in JHB South. I did not even enter the panelbeater shop. I just saw my vehicle from the street and noticed a lot off the problems. Wrong parts for the modul vehicleI I'm driving. As I got closer to the vehicle I saw all the gaps and the body parts that doesn't line up the way it should. Some off the dent's and scraches that have been caused by the incident have not been repaired. The left front tyre is damaged. My front loader cd player is missing!! But my vehicle is ready for collection and I will be held accountable for storage fee over the weekend. Now they told me they can repair a vehicleI with what ever they want to. Is that even possible? Do we pay insurance company's so much money every month to do whatever they want to do when we really need them? I'm very disappointed with Miway and in the meantime I'm the one to suffer without transport. It's been 10 weeks now and still counting. They are not willing to response to me or to come to a point where both parties can be happy. I don't get any communication from them. I must keep on phoning. Worthless insurance company if any body ask me.