Miway Insurance Refusing To Settle Claim

I am a client of Miway. And my car caught fire; and below is what transpired and how Miway came to their decision to refuse to settle the claim:-

1. I was a plus/minus 2km away when the fire started [FACT - MAIN POINT] -collaborated by witnesses who were, just a few seconds, at the scene as the fire started. -even if Siphiwo found a bit of fuel [if Siphiwo can provide pictures] the engine indeed stalled/stopped as the car was standing on the side of the road with no driver [FACT] -I mentioned if I had come back [from fetching fuel] and the car still did not start, he would have investigated further 2. The entry on the bank statement: this could be any [other] car -At all garages, if a motorist fills fuel; if for example, the motorist says R20 and the pump goes over and reads R20.35; they NEVER, NEVER EVER make the motorist pay the 35 cents -In view of the above, it means the tank was actually topped up to FULL that is why the amount on the statement is R495.05. [FACT]. -Fuel for that amount is almost a full tank, if, for example, that car was empty. Which is contrary to Siphiwo’s almost half tank he says he found[FACT]. -I could not have driven nearly 500km [fuel was topped up late on the 6th i.e. the day before the incident] so that the fuel was at the level that Siphiwo claims he saw [COMMON SENSE] 3. The car had a tracking device, why did not Siphiwo use that to get the car's location to confirm which car I put fuel -Miway messed up my Ctrack account and could not get the report [only learned this last week i.e. July when Siphiwo phoned and I was questioning him]. The question is, Ctrack says the account is closed [according to Siphiwo] but the installment for that account is paid from the premium for the insurance, so where is that money [intended for Ctrack ] is going [Miway is busy putting together evidence of my “dishonesty”; and miss this point that needs further investigation] [this is a discussion for another day] 4. The car was an Uber [hence business insurance]; it used to make plus/minus R35K to R45K a month [FACT]; why would I burn a source of income like that 5. I joined Miway in 2016; if it were other insurance companies, I would have qualified to get all my premiums back. but here I am, being treated like a ******** 6. Mpho and Siphiwo are connecting the wrong dots; because they heard that it’s a quiet road; they alleged, that I had time, and I poured oil on the car and set it alight; totally disregarding the witness account. -The road hasn’t any passengers, but there are a lot of cars and runners/joggers/cyclists, do Mpho and Siphiwo honestly think other motorists would just ignore [and not inform the police] if they see someone pouring oil and setting a car on fire -Siphiwo says the fire expert found traces of oil on the car, a claim that the witnesses are refuting [affidavits and pictures can be provided by the witnesses who were SECONDS at the scene when the fire started]. If oil was poured on the car, the fire would start on the body; the witnesses can testify the fire started from under the bonnet. -The fire brigade, when they doused the car, the power of that water from the hose would have washed the oil off[ but Siphiwo claims he saw oil] -One of the witnesses, said he threw a fire extinguisher under the car to help put out the fire; the extinguisher had white foam-like/powder stuff, when it exploded, it showered and covered the most of the front part right up to the windscreen; we don’t know how Siphiwo was able to see oil -Siphiwo came to the conclusion that I set the car on fire because the passenger door was open [when he inspected the car for his assessment] -maybe it’s the crowd that had gathered at the scene that opened it trying to salvage any important stuff from the car. And also, the fire didn’t start from the ****pit/cabin [verify with witnesses]. There was commotion as there were a lot of people trying to help put out the fire before the fire brigade arrived [like I mentioned there was a lot of cars] -Mpho said, during my interrogation [his questioning is not assessment but "badgering"], my version of how I got back doesn’t tie with the witness [maybe Siphiwo never asked the witness how I got back to the scene - from fetching fuel]. Only later that day Mpho spoke with the witness, but still he chooses to ignore the witnesses’ version because he simply wanted to accuse me of dishonesty -Mpho, I answered some of your "badgering" questions with "questions' because I was questioning your line of thinking and reasoning. -So, if a client questions your logic, then he is dishonest; for instance, we spent almost 20 minutes arguing how I went back to the scene [from fetching fuel]. As I pointed out, does it matter how returned, the main point is a car caught fire, and how the fire started; and Mpho was quick pointing out how it didn’t collaborate with the witnesses account; which he hadn’t seen or heard as he only phone the witness later that day. And he still chose to ignore the witness’ testimony -Or badgering the client is a strategy so that you can claim dishonesty and then refuse to settle the claim -We have +5 [FACTS] points that show that I couldn’t have started the fire; and Miway judges me on one point [when we disagreed and I was trying to explain by questioning your logic - check with Siphiwo, I also questioned him when I saw that was how he is thinking. And also because I argued the relevance about how I went back to the scene].

Miway bases the refusal to settle the claim on that one point?