MiWay Insurance

The service is an absolute disgrace and frankly i feel ****med by it. So here’s my story : At first i took out a policy with them which is a package they have for “Roadside Assist” they consultant explained it to me as a ROADSIDE ASSISTANCE PACKAGE, mind you all of this is done over the phone. Fast forward 2 Deductions later from MiWay came a time where i needed roadside assistance at 3:45am in the middle of nowhere driving from KZN to Gauteng I experienced a burst tire and my sparewheel wasnt pumped (my dumb mistake i know) so i call MiWay Roadside Assist to see what they can assist with, my request was “please can you arrange a tow truck to tow me to the nearest petrol station where i can pump my spare and continue with my drive so i can make it in time for work at 08:00am” at the very hour the lady flat out told me the only time she can check if at all am covered for a tow truck on the plan i had with them, mind you its in the AMs and am in the middle of nowhere and also i am pressed for time. Long story short NO ONE CAME TO HELP i had to drive with a burst tire because MiWay still needed to confirm at 8:00am whether or not am covered for a tow truck assist meaning if i waited i had to wait on the side of the road from 03:45am till 08:00am go figure. Nonetheless i drove with that tire until a samaritan helped when the sun was starting to come out. Bottom line i didnt make it to work that day. A consultant from MiWay called me and she now delivers the news that MiWay Roadside Assist does not include tow truck services, i then respond to say i would like to cancel this policy because it proved to be useless to me, she then suggests i take a different plan to avoid what happened and she assures me that this one definitely has a tow truck service available and its called Guard Breakdown or something like that and silly me i agreed, please understand that all of this is done over the phone I requested a copy of this policy on email which i never received but the debit order for the new policy went through on my account. so last Friday i was involved in an accident on my way to work, it was the other guy’s fault -During loadshedding traffic lights were treated as 4 way stops he didnt wait his turn and drove right into my passenger side nonetheless no life was lost we both just sustained minor injuries- now after calming down i tried to go to the #HelpMeCrisis app from MiWay i couldn’t log in because of service providers signal so i called instead because i had hit my head and obviously needed a tow truck because my car wouldn’t have driven, one the Scene the first people to arrive was FIRST HELP tow services then the police and so forth.. I am on the phone at this point with Khabonina a MiWay consultant calmed me down and was sincere she asked me if anyone is there with me i told her about the FIRST HELP guys she then says to me she has dispatched an Ambulance to the scene i asked what’s the name of the ambulance she says ER24 ( i am carefully trying to ask all the important details so i don’t find myself in unnecessary debt) She then says she will call me back in a minute, a minute later she calls back and tells me Gerrald from FIRST HELP is there to assist you with the towing of the car, to my Surprise Gerrald is the same person who was first on the scene from FIRST HELP. Alright we end our conversation there with Khabonina from MiWay i deal with the traffic police and then the ambulance my brothers had also arrived on the scene so they’re busy making sure of stuff cause i may obviously miss some details am in Trauma, long story short one of the things my brothers made sure of inquiring about was that we are not liable for the invoice settlement of the towing of my car. Gerrald from first help assured the invoice is going to MiWay because he was sent by them to assist me i didn’t personally call him so he cannot send me an invoice ( he proves this with an SMS he was sent by MiWay giving him a go ahead to tow my car - i do have a copy of this text with me) the situation seemed to be resolved i made my way to hospital while the car was going into storage. 2hours Later Comfort from MiWay calls me to basically say am not covered for tow truck services therefore a bill of R10600 is liable to me DID I NOT FALL OFF THE CHAIR??? whats worse is storage money accumulates everyday, the guy i was in an accident with is reading my texts and not responding i don’t know what to do i have never been in this kind of a situation before i don’t even know where to go from here Please if you have any form of help that you can offer me please reach out i am not e ven able to process my trauma because now i am stressing about this Tow Truck Money Business that i had thought MiWay had it covered, i am not financially stable hence i even canceled my comprehensive insurance and took a package with MiWay that has proven to be a HUGE disappointment in my life TWICE while there has never even a time that they tried to debit money from my account and not get it! I am honestly in pain with what MiWay did to me because they gave me the impression that they had my back only to find i am now in over my head with debts i didnt plan for.. if i was told all this information on the scene of prior signing up for the second plan with MiWay i wouldn't have allowed all of this to happen I would’ve tried to solve this problem within my budget not this ridiculous R10600 (in counting) that i am now left to pay and still figure out how am i gonna fix my car because i need it for work as it is i don’t even know how am i gonna go back to work. You can reach me on my email if you have any form of assistance you can offer *** i am even feeling suicidal because of this problem i don’t know how to fix