Miway the worst insurance

My son bought a motorbike 11 Jan 2019. He advised that he can only make a payment end of month, who has money middle of the month? The shop got a letter from Miway and gave him the bike. 22nd Jan 2019, a truck hit him on the N12 and 2 cars drove over him. The bike burned out. Miway doesnt cover him, he has to pay the bike. No one asked for this to happen, yet you see all the adds and promises, but when something happen, even if your life is broken into so many pieces and you can not work due to injuries, this is so wrong