Poor service delivery. #***** business

Not happy at all with this kind of business. I was insured with this company before I got an accident on the 10.02.2019. I made a claim against my policy with MiWay Insurance. Guess what, stress and resentment is all I got from this company. This guy by the name of Andre Stephens was assigned for the claim. This guy made my life a living hell because he is adamant, intimidating clients and thinks he knows everything. He is the reason am not happy with this company.

It is not a good company to invest with or make policy with because of this guy who is oppressive and discriminate penurious clients by threatening them that they will blacklist them should they reject their claim. The client should cancel the claim, fix their own insured vehicle and after the repairs, then he continues with the premiums. That's what, the Assessor Andre Stephens threatened me with before declining the claim. He said he will do whatever it takes to decline the claim because he believes I don't have long relationship with the company.

Guess what, he fabricated the story so that they cannot pay out. For the mere fact that, an accident occurred, and the vehicle was insured against such loss, this dude believe that I intentionally caused the accident so that MiWay can pay-out. I had a long relationship with King Price before they convinced me to join their company. Now that I want them to fix my car, they create stories. This kind of business should be exposed so that they start to take their clients very seriously.

They rejected my claim on the grounds of dishonesty, due care and precaution. I collided with the taxi at the back, because the taxi driver decided to stop on the middle of the road. It was late for me to overtake as is two lane road and there was the other vehicle on the oncoming. I app**** the brakes swivelling to the left edge of the road. Unfortunately, bumped into that taxi. I told him I was travelling at the speed of 70 - 80.

The taxi driver too, after noticing the vehicle applying brakes, he then decided to move his vehicle to the left edge of the road, but it was too late. The taxi sustained minor damages as it has a tow-bar at the back. My vehicle was badly damaged at the front and airbags decided to pop up.

This guy Andre Stephens came two weeks. We went to the scene to investigate and to take some pictures after two weeks. Lucky enough stretch marks where still there. All information he requested, I provided him with. He even confirmed with the some of the people. It’s a fact an accident happened.

Don’t know whether it was his idea or what, but convinced a third party to do a statement that says he was driving at 60 km/h. I collided with him 1st, then the third party decided to brake. Then I collided with him again, then he app**** the brakes again. I mean like really, as a driver when you notice that the vehicle come with the high speed at the back (as they say), they only safety measure you can take is to apply the brakes in the middle of the road. Vehicle were travelling the same direction by the way.

He appointed so called specialist. This specialist, made an Assessment which states that I was driving with the speed of 140 - 150 km/h. Therefore, I was reckless (negligent), and I should have avoided the accident. How this guy discovered that I was driving at the speed of 140 - 150 km/h? They app**** a Newton Law of Motion. To my surprises, they consider themselves specialist, but they made a conclusion that I was driving at the 140 - 150 km/h but they were using assumptions on their calculations. Like seriously, Is this kind of the joke?

Touching on real business, this guy Andre convinced all his committees to reject the claim because he believes that his appointed specialist was very true making that statement that I was reckless, and I was driving with that speed. Am still shocked cos it looks like all this people thinks the same.

Besides all that, the policy states that, the vehicle is covered for accident and intentional accident. Am not sure if this does not apply, or it does. Anyway, after the accident, they towed my vehicle to the panel beaters. After assessing the vehicle, they declared a vehicle a write off and decided to tow the vehicle to the nearest SMD without my permission. Now that, they declined the claim, they want me to pay the towing cost from the scene to panel beaters, from panel beaters to SMD and from SMD back to home where I reside. While I was asking them to fix my vehicle, they want me to incur more cost. They want me to pay R4150 for towing cost. I reside more than 100 km from the outskirts of Rustenburg by the way and i need a vehicle from and to work on daily basis.

This people have no mercy at all. They even forget that, I paid monthly premiums and never skipped since I joined them. They made me depart with my previous insurance. Now they don’t want to fix my car or pay out as per agreement. By the way, they cancelled the Policy and reimbursed the premium for the month of Feb because they believe that we no longer have a deal because they rejected the claim. My concern, I know am not the only one with this kind of a problem. But what should be done to stop this kind of a company oppressing and doing ***** business with their clients. I want this kind of business to be exposed because the don’t respect their clients.