MiWAY Insurance Forcing Me To Let Go Of My Vehicle AS The Claim That The Car Is A Write Off

Good day,

I lodged a claim with my insurance Miway on the 30-10-2017.

For my vehicle that the front bumper needs to be replaced and the a dent on the rear door that will require a paint however the car is totally drivable . On Tuesday I took my car in at a panel beater called renew It in Sunninghill for an opinion to see if I can get a personal quote of which I got a verbal quote of about R30000. However yesterday upon Miway Insurance assessor finalizing everything just when we concluded our conversation I get an email from Miway see it below. The consultants I was dealing with is Mmabatho Mooketsi and Maureen whom I went to see yesterday but could not even see me she sent her colleague to come talk to me regarding me letting them write off a car that is drivable and is not financed I feel like Miway want to bully me as my car is bought cash and they want to take advantage of this as the car I am driving is bought in cash. So my situation here is that I requested for a disclaimer of which I am entitled to. And only on Monday that I get told that since I am claiming within 2 months I must pay a ridiculous excess of about R12000 of which this was never told before hence when I joined Miway they said that my excess is R5000. I have the car in my position and if you look at the mail I got from Miway is like the car was towed into some yard and all they need from me is the keys and documents how on earth did they come to such a conclusion to write off a vehicle that is roadworthy and moving very fine? I was requested by their manager yesterday upon the meeting we had to get at least 2 quotes of which I adhered to their request which one I got for about R28000 and the other of about 36000 of which the Miway insurance quote is way less than this 2 amounts which Miway insurance quote is about R19000 and something now my question here is Am I being fooled or what? I will not let this go until they settle my claim I have requested for a disclaimer I don't understand why am I being treated this way. All I want from Mi way is to say look we have finalized the claim do you want to take the vehicle to a panel beater that Miway is affiliated with or you want a disclaimer which I then repair my own vehicle. Just because my car is not financed I feel like that Miway are testing the waters with me on this So I am doing so people could be aware as to what is going on I will also go 702 talk Radio to speak about if this does not get resolved ASAP. Dear Leonardo

Policy number: ********** 9 Claim number: C901939

We wish to inform you that the damage sustained to your vehicle is of such nature and/or extent that it is considered a write-off. It will be moved to our salvage yard in due course.

We'd like to speed up the claims process and require the following: Original registration papers (if you have these), or a copy of the registration papers and a settlement letter from your finance house, if the vehicle is still financed. These can be sent to ********** All keys for the vehicle (Including spare keys and remotes) In an attempt to take care of any hassles, we'll send our couriers to collect the keys and original registration papers. Just click here to let your claims handler know when and where to collect, or if you have any other queries.

Alternatively you can chat to one of our claims representatives, if you are registered on MiXpress. Should you wish to get more information on the claims process and what to expect during the write off process, more details are available on the website.

Car hire: Should you wish to arrange car hire, please contact the Claims Call Centre on ***and/or your claims handler , Mmabatho Mooketsi, on ********** 717 or ********** to make the relevant arrangements. The hired car is available to you, provided you have a valid claim, until your claim is finalised or until 30 days, as selected by you, has run out, whichever comes first.

You will need to pay the refundable fuel and e-toll deposit, the running costs as well as any collection and delivery fees applicable. You will also be liable for the excess should the hired car be involved in an accident. If you have elected to take car hire and it is found that you do not have a valid claim, the car rental costs will be for your own account.

We really appreciate your help and we'll be sure to keep you updated and informed on the progress of your claim.

Kind regards, The MiWay Team