Person skips red robot and i am told i am more guilty

<p>Afternoon,</p> <p> </p> <p>Kindly assist.</p> <p> </p> <p>In august I was involved in a car accident, the guilty party skipped a red robot and smashed into me.</p> <p> </p> <p>He then fled the scene, had a second accident down the road, and was arrested. The accident report was done on scene by the metro police officers who arrested the guilty person.</p> <p> </p> <p>To date Miway (my insurance company) have made no attempt to obtain a copy of the accident report (I did supply the case number), and to get my money paid for excess back from the guilty party.</p> <p> </p> <p>On the accident report is witness phone numbers, and one of the witnesses (a lady police captain) even went as far as to take a picture of the guilty person’s car, number plate and of the person that was arrested.</p> <p> </p> <p>Its been a run around from person to person, and it is clear that there is no interest in the clients, but just collections of premiums, which they by the way increased after the accident.</p> <p> </p> <p>Why do I get penalised with an increase in premiums if it was beyond doubt the other party that was guilty and not me.</p> <p> </p> <p>If the arrow was green for me to turn and red for the opposite people to stop, and he went straight through, who is guilty? Me or the other party.</p> <p> </p> <p>I have told Miway on several occasions that metro police done the accident report, and a few days later I get called to tell me the police does not have the accident report (clearly they wouldn’t as metro police done the report)</p> <p> </p> <p>Now months later they send me a copy of my drawing as well as a google image of the intersection where it happened to merit my claim …. I had a good laugh as the google image is not even of the correct intersection where the accident happened … which means they still did not collect a copy of the accident report.</p> <p> </p> <p>When the accident happened I had just started a new job after 6 months of unemployment – but never, not once did I skip a premium – even while unemployed – and that is what I get for loyalty.</p> <p> </p> <p>Now I get told by miway’s advisor Ophelia Mbhenyani that I am held more liable if they look at the damage to my car???? How can I be held liable for turning when an arrow is green for me to turn and the other party skipped a red robot and fled the scene and was arrested???</p> <p> </p> <p>I am at wits end, how do I manage to get this sorted out.</p> <p> </p> <p>The best option looks like a different insurance.</p> <p> </p>