Unfairly treated as a client

Dissatisfied with MiWay service, terrible service I must say. Someone bumped a stationary vehicle behind mine and that vehicle bumped mine, which was also stationary while approaching a traffic light which was not working, when asked, the driver said they tried to swerve away to avoid the accident, unfortunately couldn’t make it. Sadly the driver at fault and me are both using MiWay and said they will claim third party, I called MiWay explained the story and advised that I claim on my policy and excess will be waived provided the other drive claims as well but if they don’t claim then they can’t force them, which is fair.

They say they can “try recoup” excess should I pay and it is not guaranteed, but they are willing without fail, to represent someone who caused an accident which caused damages to my car.

The other driver claimed and gave me the claim number which I sent to MiWay, to my surprise, my claim was approved with excess when I enquired, they referred me to their “legal team” which told me if I want to claim third party I can do that as an individual and I must note that It will be on my personal capacity, mind you I am paying client of MiWay and was informed they will legally represent the driver who caused the accident should I proceed and claim against her policy. So in other words I have insurer and I’m paying some company “MiWay” to represent someone who made a mistake that caused damage to my car. It’s wild.

I’m unhappy