Miway Insurance Mimotor Combo a ****

On 08 November 2023 I submitted a Mimotor Combo Claim to Miway Insurance for chip marks and paint that came off my car front and sides after driving behind a truck with sand and small stone on that had NO tarpaulin cover over the content. The incident happened on the N12 from Potchefstroom towards Johannesburg on the 28 October 2023. I could barely see in front of me with the sand and was alone in the car and could not take the Registration no. of the truck. On 09 November a link was set via Whatsapp to me to submit claim evidence photos. I was not near my car then, I told the Consultant, I was out of town on the 9th (with my other vehicle) when I got the Whatsapp - I was at a Wedding that took place on 10 November in Parys. When I got home on the 12th to take pictures and submit to Miway, the link had already expired. Since Monday 13 November I contacted Miway and asked for a new Whatsapp link and got no reply. On Wednesday 15 November I got a Rejection of Claim letter from Miway because I did not submit evidence for the Claim. I put in a dispute & yesterday I got a letter from Oratile Seabe saying sorry my claim was rejected. Now I don't understand why an Assessor was not sent for Inspection of the vehicle and how Miway can reject my claim without even receiving photos. I will take this matter further with the Ombudsman because I've been a customer of Miway for the past 3+ years and have never submitted a claim & have never been in an accident.