Mischievous handling of vehicle assessment claim and rejections on unproven speculations by Andrew Fogwill - Miway insurance

<p>***</p> <p>I was involved in a car accident early in April that led to the write off of my luxury Merc 4X4 .</p> <p>The car overturned and i was the only occupant and the driver in the car and luckily I did not sustain any injuries.</p> <p>An assessor by the name of Andrew Fogwill was appointed and we had our first interview a week after the accident.</p> <p>He called to arrange for an interview and asserted that he would like to wrap up the case quickly. Normal turnaround is 5 days.</p> <p>Our first meeting was on the 11th of April and he brought in his colleague by the name of Gerhard Du Toit. The interview was meant to be between 11 and 12 and he did not even arrive until after 12 and this is despite the fact that I clearly stated that I have meetings and other commitments planned for the day.</p> <p>Be that as it may, All my bank statements were requested including authorisation of my cellphone service providers to grant the assessor the beacons/activities as the accident happened at night.</p> <p>He told me about the ITC and ******** records checking that they were gonna conduct. I cooperated as I knew there was no wrong doing from my side and submitted the requested documents the following day. He also contacted two (2) of the witnesses during our interview to corroborate my statements. The witnesses confirmed what I have told him.</p> <p>He then said before wrapping up that he has a problem with my claim and I remain calm as I knew I did nothing wrong under the circumstances. He asked several times if I wanted to retract as should he found that I **** he will report me for ***** etc. I asserted to him I cannot changed the facts as they are.</p> <p>The following day, few minutes after submitting the requested documents from the interview he then sent me an sms requesting for 3 months bank statements on all my accounts. I responded at 14:27 to his cellphone asking him the rational for requesting the 3 months bank statements as the unfortunate incident occurred on a specific date and I see no link to his investigations. He did not bother to even respond.</p> <p>I allowed him to continue with the investigations in all aspects of the process. A month went by and the bank including Miway continued deducting money on my account and I was not worried as I wanted him to complete the validations free from and interferences. </p> <p>He then contacted me on a conference call with the tracking company on line on the 3rd of May requesting that i provide him with permission to obtain the vehicle tracking report. This I did also despite absence of courtesy arrangements with him. He contacted me few minutes after agreeing to the release of the report and asserting again that he has a problem with my claim and there is 95% chances of rejection.</p> <p>He then demanded that I give him authority to request for the beacons/activities on my work cellphone and that he now need 3 months bank statements. He claimed that the reasons he needed my work number is because there could not find anything on my personal cellphone.</p> <p>The 3 months bank statements was requested as he claimed that I probable have sold the car to a third party and he wanted to see any cash inflows from the sale of the car.</p> <p>I told him from that day onwards that our engagements must be reduced to email and he must state formally his reasons for 95% chances for rejections. On the same day I wrote a formal complaint document to him questioning his objectivity on his validations as it was becoming clear to me that he had a predetermined outcome, being repudiation at all costs.</p> <p>He responded to my email later on the same day with his requests and citing his rational in support of his requests:</p> <p>1. He was now requesting for the 4 months bank statements as he alleged that the vehicle was sold and he wanted to confirm any cash inflow into all my accounts</p> <p>2. He requested for authorisation to obtain the activities on my work cell number</p> <p>This as per the letter sent to me was said to be a reasonable request as the policy wording stated.</p> <p>I was given until the 5th of May (2 days after the formal request) to submit all the above requested items by close of business.</p> <p>I responded by email on the morning of the 5th as follows:</p> <p>1. 4 months bank statements – There is no sound reasons to submit as that was my private and confidential financial affairs and has no link to the accident except for the information I have agreed submitted being my bank statements on the day of the accident</p> <p>I further provided him with my latest vehicles statement and Enatis documents as an indication that the car was not sold as he was maliciously claiming</p> <p>The fact that the car is still finance on its own indicates that the vehicle is the property of the bank and I pay both the instalments and the premium to Miway with no fail.</p> <p>2. Work cellphone – I referred him to the person in charge of the work cellphones as I have no authority over it and provided both the names and the relevant contact details.</p> <p>I then received an email from Andrew Fogwill in the afternoon asking me to contact him to finalise the claim and I rep**** asking him to correspond on email. He did not bother until late in the afternoon.</p> <p>I received an email from him late on the 5th rejecting my claim with the heading and reasons that reads as follows:</p> <p>Heading: Rejection letter – dishonesty non compliance</p> <p>Reasons:</p> <p>1. Failure to submit the reasonable requests being the 4 months bank statements and work cellphone authorisations</p> <p>2. Deliberate or ********** acts to cause a loss, damage or injury to the car</p> <p>Which SOUND individual in this world could deliberately overturn a vehicle with a possibility of death.</p> <p>I have for his own indulgence proven that I have never missed both my vehicle instalment including the insurance premium even once and the car was mine and financed.</p> <p>His reasons suddenly changed from me having sold the car to deliberately causing an accident – WHAT MADNESS IS THIS!!!!!!</p> <p>It’s for this reasons that any current and future Miway clients need to think carefully before taking up insurance with Miway.</p> <p> ALL CORRESPONDENCE TO CORRABORATE ALL OF THE ABOVE ARE IN MY POSSESSION</p>