Unfair Treatment and Dodging to pay my claim

I recently submitted my claim to MiWay Insurance for a car accident. I have been with MiWay since December 2017 and have been paying my monthly premiums in full.

Now that they are supposed to pay for my claim, they now want a letter from my previous insurers to prove that I was insured and to see how much I was paying in premiums so that they can check if they didn't undercharge me over the past years. I then asked what will they do if they claim they have undercharged me and they said they will calculate what I was supposed to pay and deduct it from my claim. Whattt? I've never heard such before. Then I asked what if they overcharged me, will they pay me back part of my premiums and they said that has never happened before. Miway is just a ****. They are just happy to take people's money for over 2 years but if it's their turn to pay, they go all out to dodge paying.

Also their service is just pathetic, especially from a lady by the name Ayanda. It's like she doesn't know anything about what she is doing. U ask her questions she fails to answer.