MIWAY-UNFAIR PRACTICE

MIWAY looks for reasons not to pay hands down!!!4 years of paying insurance only to be told she was careless with her car,a car less than 100000km, in great condition, would have been paid up next year march. NONSENSE!!! My mother was involved in an accident involving 2 cars plus hers. MIWAY REJECTED THE CLAIM BASED ON DISHONESTY, DUE CARE AND PRECAUTION. These are the events(brief) that took place: A friend needed to be transported home as the person who was supposed take him home had made arrangements to be somewhere else. My friend asked me to take him and my mother thought it was late and she will drive us to my friends house,on driving back home we were chased(in our minds we are thinking they want to hijack us) by a car we could not identify or even see the color as it was at night that's when we had the accident. we then went to report the accident at the police station...we did not tell the police about the car that was chasing us as we had no info on the car, and the state of mind we were in was rather we focus on the accident. THEN COME IN THE ASSESSOR, BEN VAN DER WALT. The man was from the start already doubting the claim, insinuating that my mother was drunk, and that my mother was not supposed to accept liability of the 2 cars involved but my mother kept telling him she could not disagree as the situation didnt allow her, she was forced to agree that she was at fault, the assessor proceeded to asking for numbers of people we both were with during the day and asking where we were during the day which we gave him all the info...my mothers friend who was with her in the evening refused to be involved, upon hearing this the assessor told my mother the claim involves a lot of money(why is the financials his business?) and that he will not authorize the claim we cannot get hold of the woman,another thing is he tends to want people to think like him 'asking why didn't you do this or that", we gave the assessor the sons number so that he can try for himself but he failed to get hold of the woman still. throughout the investigation the assessor was questioning our decision not to tell the police that a car was chasing us...my mother agreed to speeding when the accident occurred but it was due to the car chase, she admitted she did not even see the cars in front of her as she was focused on the car that was chasing us, now my mothers claim has been rejected due to above written reasons.We are awaiting for the details on that judgement then we will have to go to the ombudsman as our faith in MIWAY has been thrown out the window also bare in mind we have another car insured with MIWAY. how will an accident reconstruction report prove we were chased by another car?