TYRE EXCESS 4 X THE TYRE PRICE SERIOUSLY

I was just informed by Miway that my Excess on a Damaged tyre by a pothole is R4250 while the tyre cost only R950 SERIOUSLY SERIOUSLY This is what just makes me mad DOES THIS MAKE ANY SENSE IT'S NOT OUR FAULT THAT THE ROADS ARE IN SUCH A STATE NOW WE STILL HAVE TO PAY FOR IT THE INSURANCE COMPANY SHOULD BILL THE GOVERNMENT I WILL CERTAINLY LOOK AT A INSURANCE COMPANY THAT WILL TELL ME THIS UPFRONT AND NOT WHEN I NEED TO CLAIM and then I am told to WAIT for a call cause the call CENTRE is busy