Miway treat clients live *********

My wife had single car accident on 3 March 2018 in early hours of morning on our way home, we did an online application on the same day and send all required information. On 5 March car was collected by the panel beater then nothing ever happened we try several times to call Miway and told that the assessor is not available on 13 March we sent email to an assessor whose name is Andrew Fogwill he told us that he has been busy he never had time to look at our issue but he will try to visit my wife at work to discuss the accident, on the 14 March at 15:30 I received a call from Andrew and he said he want to know what happened, I asked him if my wife never explained to him, he told me he needs my version. I told him what happened then he asked me why did we drive the car instead of calling Miway them I told him that it was midnight and the car was still drivable and it was dangerous to stop anywhere due to the nature of accident on which we already explained to Miway. We had every long argument telling me we were not suppose to drive a car because it would have damaged the engine. Putting in mind that this was the single car accident I didn't understand his point. The interesting part is on the phone he told me that Miway will only fix other things if engine is damaged they won't fix it. After we fought over the phone he told my wife that he suspect that I was the one driving the car and I was drunk, he is going to go to the toll gate and the garage to get the videos to see who was driving. This clearly puzzled me he have guts to tell it our face that we are lying, he never done anything for 10 days, why he didn't go and get those videos first then tell us we are lying? how can you accuse someone without a proof? Is this happening to all clients or is the allegations that surface on social media about miway not approving claims for black clients true? I'm very looking forward to for him getting the videos and he will need to explain me why he said we were lying at the first place.