Useless service

Wow!!! So I speak to an advisor to get a facility review as I did quotes and got cheaper elsewhere. So with my current claims which were never our fault the advisor tells me I have more than 100% loss ratio. Fair enough I ask for a break down which I never got so I can see this ratio his referring to. Now with all my claims I paid half of my claims. See the thing is from get go when the previous advisor spoke to me before transferring me to this guy "senior advisor" I have been nothing but a loyal client and month in month out you get your premiums on time and for him to tell me my loss ratio is over 100% and say to me Miway includes assessors fee to me and that's the reason my ratio is high I don't seem to understand. Like guys what's up with your company and your advisors. Look I would like a breakdown as to how my ratio got there and I want to know why am I being charged for your assessors when it should be a cost to company. With all my claims none of the assessors came to assess my car and the damage, I sent pictures to yol. I would like his manager or the manager above his manager or whoever is higher then him to listen to that call cause he clearly needs to go back to training. Guys your service sucks big time. I would also like a copy of that call as I would like to listen and get a second opinion as to if the ethics and all discussed were appropriate.