MiWay Car insurance - hard ******. Please Help.

<p>About 3 weeks ago, a car bumped into my car accidentally but the other driver admitted he was at fault and that he was going to pay whatever is required to fix the car. After following all procedures at SAPS, I then called my insurance, MiWay, which I've been using for almost 6 months without a single claim and with absolutely no arrears in my premiums. My excess was 9000 at the time of my claim, but is now 4000. I have all the documentations to prove these. MiWay told me that my claim was rejected since I skipped a premium in February 2017 and since my excess was 18000. I was absolutely galvanized. I sent them all the documentation and they said they'd get back to me. Almost a month now, they haven't rep**** and my car is still not fixed. Please help, please help. </p>