Unfair Claim Rejection

On the 06/08/2017 on routes R410 and R56 (T-junction) my wife had an accident on the way to church with our kids on the car, airbags deployed but thankfully they suffered no serious injuries. We made a claim to MiWay the insurance we paid for the last 3 years without a single claim and to this day we still paying monthly premiums. Our claim was rejected by MiWay claiming that my wife did not take reasonable care and precaution to prevent/minimise the loss. This comes at a time when MiWay is being accused of ****** in handling claims but we don’t want to play that card. My wife has 15 years of driving without any accident, she was with kids to church and it was her first time ever driving on that route, there is nothing suggesting recklessness/unreasonable actions to her accident as that could have ****ed the family. Later at the scene it was shared by traffic controller, that T-junction is notorious for fatal accidents. Anton Botha an assessor from MiWay interrogated my wife like a ********, digging into our finances and saying people commit accidents on purpose to pay debts, he said my wife was lying she was not the driver it was my daughter and later changed his mind after demanding cellphone geo-location proof and call-logs. Mr Botha was looking for anything to hold onto to reject the claim it’s as if he was instructed to reject this claim at all costs.