1 reviews | Active since Jun 2021
Refuse to pay out claim
I want to share our experience with Miway, what makes this even worste is the fact that this was our FIRST EVER claim at any insurance company and that for years and years you pay insurance at multiple insurers but the day, the first time you EVER try to claim they go out of their way to prove why they won't cover your vehicle accident claim. It took them 3 weeks to investigate the case but their focus was only on the fact that the regular driver was not behind the wheel when the accident occurred, as if that would have kept the driver of a truck from skipping the red light. They even went as far as knocking on our neighbors doors to find out who they saw driving the car regularly (what a humiliation, I was stunned) and that after we where honest and upfront to say our son started using the car in April from Monday to Friday, it was only to be for 3 months while on training..... But because we did not change the regular driver they refuse to pay out.
I don't even know what efford was made to investigate the accident itself and if they tried to get witnesses of the accident or that they have visited the truck driver, making sure his Zim drivers license were valid, it was all about the regular driver BUT It does not matter who was behind the wheel of the car, the FACT is the truck driver did not stop at the red light. And the outcome would have been the same, the damage would have been the same. We are so disappointed to say the least, that they are so zoomed in on the regular driver they don't see anything else.
After 3 weeks and much confusing emails and phone calls and frustration we have a car standing in our yard that is not drivable and have damage of R80 000 (according to their assessment) we have our vehicle debt that is R140 000 with a monthly payment of R3300pm that we still have to pay and then we have to pay towing fees of R5300 that was not covered by Miway because it was not a towing service approved by them. I have lodge a despute but it takes another 2 to 3 weeks for it to be investigated. My next step is to lodge a complaint on their website with all the information. And then we don't even talk about how the car was delivered by their towing company, pulling more parts out off perportion, with the explanation that they had to pull it away to asses the damage.... Wish I could add photos and documents so you could see for yourself.
So if you think about it this way... they get to keep all our insurance premiums we paid since 2018 for a service we did not get and leave us with all the other expenses.
Why then even bother having insurance at all.
The MiWay Team
The MiWay Team
So we tried the next topic of the towing expenses. Again I asked him where in my policy does it state that you will not pay any fees from a non authorized towing company. His answer is about a sticker that says do not tow......no result, no understanding that this was our first ever dealing with an accident or accident scene. "But no sorry the sticker! "
WHAT DO I DO.... DO I DESPUTE MY DESPUTE..... You can not make them see your point of view. It is so frustrating to get nowhere with this. And at the end of the day we would probably have to deal with the expenses our self, no matter how hard we fought for a different outcome. Which is really sad, knowing that you put your trust in your insurance company just to be disappointed by their self centered assessments and investigation making sure that who ever looses in the prosess IT WILL NOT BE THEM.
So we tried the next topic of the towing expenses. Again I asked him where in my policy does it state that you will not pay any fees from a non authorized towing company. His answer is about a sticker that says do not tow......no result, no understanding that this was our first ever dealing with an accident or accident scene. "But no sorry the sticker! "
WHAT DO I DO.... DO I DESPUTE MY DESPUTE..... You can not make them see your point of view. It is so frustrating to get nowhere with this. And at the end of the day we would probably have to deal with the expenses our self, no matter how hard we fought for a different outcome. Which is really sad, knowing that you put your trust in your insurance company just to be disappointed by their self centered assessments and investigation making sure that who ever looses in the prosess IT WILL NOT BE THEM.