Worst service and insurance ever

On 25 May my wife was involved in a bumper bashing. I did not want to claim as I thought the damage would not be expensive to repair. I checked on Miway's website and went to their closets preferred panel beater for a quote. Quoted amount for repairs was R 15 606.57. The quote was significantly higher than I anticipated, so I got another quote form a revered panel beater which is also Miway approved the value was R 15 820.00. I reported the claim via the WhatsApp application on 10 June 2024. From the start I advised Miway that I do not have the access currently and would like to exercise my wright to have the claim paid out to me. On 12 June 2024 I received a reply that according to Miway the damage is only R 13 239.39 . I requested the assessment report which I received on 12 June 2024. I studied the report and noticed that they missed some of the damaged parts. Both headlight was damaged in the accident.( R 2 272.50 for parts the rest for labor paint etc and they gave themselves an early settlement discount of R 933.45) I reported this to Miway on 18 June and received a mail that they will investigate and give feedback within 24 - 48 Hours. On the 28th I have not received any feedback as promised and followed up via mail on the 24th and the 27th with no response . I followed up via WhatsApp on the 28 June at 11h00 with a response that my claim handler will phone me. I did not receive a call as promised and followed up again (via WhatsApp) and the only response I got was "Miway ***". I eventually phoned them at approximately 13H00 and told them them that the service is pathetic as I do not get replies or answers as promised. I received the second assessment report a while later dated 28 June 2024 13H49, they have done the second assessment report quickly and halfheartedly after my call and not within their own promised time frame. The second assessment report total value was R 13 951.89 this included the 2 headlights . The part increased to R 4 907.84 but the labor , paint etc decreased and they still gave themselves a discount of R 983.68. I lodged a dispute on 1 July 2024 and was promised a response within 14 Days. I received the feedback on the dispute claiming that Miway is correct and "we urge you to seek legal advice" if I do not agree or should I have evidence of the contrary. My statement to Miway was that my wife drove the car. Miway changed my statement to "you advised that you were driving behind the other party’s vehicle when you collided with him from the back. You advised that you were travelling too close to his vehicle, and he had items that fell off from the back of his van." This is a total LIE According to Miway it is their prerogative to decide if they want to repair the car or pay the claim out to me. I have requested the recordings of my statement on 17 July and followed up a few times but have not received any reply. a Few question / major concerns. 1. How can Miway change a statement to suite them? Isn't this called *****? 2. How can they give themselves discount if i requested the money to be paid out. 3. How do you miss damaged headlights , on assessment 1 4. How can the approve the labor etc on assessment 1 but change the figures to suite them on assessment 2.

People be aware they will do anything not to pay out or pay out as little as possible.