Miway Insurance: Pathetic service, ********* practices, Rude ,unfair and unprofessional

I lodged a third party claim with Miway four months ago that dragged for three months until it was attended to.I have to always follow up with him all the time until I can get a response. Their consultant dealing with claim Michael Bailey who forces to always talk to me on the phone , while saying things on the phone but confirming different information on mail, so unprofessional, disrespectful and rude. The only time he started attending to me was when I had to add his seniors to the emails to get the attention. What a pathetic service. And when it was attended to, Miway only wants to pay me less than 30% of what my vehicle's market value is. My vehicle is a write off and MiWay says the wreck can be sold for R35k while the salvage companies are only willing to pay less than R20k for the wreck, Miway requested me to get the quote from the salvage dealers , and when I did, they still did not accept the quote becauseit was less than what they want and went and requested a quote from SMD not knowing I also went to SMD, SMD gave me a quote to buy the wreck for R28K but the same SMD gave Miway a quote of R38K to finalize the settlement, when I asked MiWay to get that in writing , they told me stories , how funny is this that SMD can give me that in writing but cannot give it to MiWay? and how come SMD is giving two different amounts on the same vehicle with a difference of R10k in favor of Miway?? it has been a back and forth and I am forced to pay for damages to their client's vehicle who caused the accident when I did all that I could and took reasonable measures to avoid the accident but their UBer client who failed to stop at a Stop Sign collided with me even when I got away from the lane onto the oncoming lane while avoiding collision, I must still be held liable for the damages to his vehicle, why? I was not negligent and neither did I contribute to the damages. This is unfair treatment , and Miway is taking advantage here. There was no contributory negligence on my side and a reasonable person would have acted the same way I did to get away from their client , when I moved to the other lane. Their client came to me after the accident and apologized profusely for causing the accident. I have been inconvenienced a lot , having to arrange transport for my ids to school, our lives changed drastically not to mention the financial loss, and medical bills. I had to check in to the hospital to get examined and go through Xrays and all. And now am being sent from pillar to post by people who are interested in saving costs. So pathetic, the manager Tyla Prinsloo and her manager Thabo Selepe , they are all the same, their aim is to reap people off, not considering how one does not even want to go through such a tedious process especially with unreasonable people. I will never advise anyone to insure with MiWay. Not to mention that their calculations omitted the money I paid for towing after I provided them with all the receipts as well as omitting to deduct their client's salvage costs, whom they made to pay for excess twice.