Suffering because of Momentum's ********* dealings

Good day

We have been insured for the past 11years. The first 9 years was with PSG and the last 2 years were with Momentum. In the whole stretch of 11 year we have only claimed once with PSG because of another vehicle that skipped a stop street and caused an accident. The second time we placed a claim was with Moment when our vehicle occurred water damage because the kids forgot the windows open without our knowledge. The vehicle is a Renault and it was brought to our attention that the electrical harness of the vehicle is running underneath the seats and carpets of the vehicle and that got damaged because of the excessive water. We contacted Momentum and truthfully explained what happened. They sent out an assessor that took photo's confirming the water damage and they informed us that the vehicle is being written of via email, they requested settlement document and towed the vehicle to the s**** yard as part of the process and they informed us they will pay out R62,069.30. The day before they were suppose to pay out the claim, they then informed us they are suspecting we are acting **********ly as if we have never told the truth and we did, this all happened after the vehicle was already towed to the s****yard in pieces for s**** under Momentum's instruction. They then sent out a second assessor (according to me *************) as he reported incorrectly on the claim and it contradicts the first assessors report and photo proof. According to Momentum this is the end of the road and the case is now closed but we are still suffering the consequences with a wreckage that is standing and accuring more damages in our yard. Financially we are not in the position of replacing that vehicle as we still had a monthly instalment on the lease agreement of the vehicle, furthermore Momentum's policy department took the vehicle off our insurance as it was declared a write-off after we told them not to stop the monthly payment as it is still under lease. Can someone please explain to me how insurance works because I paid insurance for 11 years and now that you really need the assistance I am being treated as a ********** party. I am sure I am not the only person that has been wrongfully treated by Momentum and if the problem is not resolved I am left with no other choice but to pursue the matter further on Social Media, Carte Blance and other platforms that is willing to help. I have photo proof and the reports, emails and a confirmation letter from a mediator to confirm the above.

The more I have to deal with this matter it becomes more and more clear to me that there is some un-ethical dealings from Momentum's side outlined in this case that is being covered up and wrongfully transferred to me as a person and I am the only one that is suffering the consequences.

This is my family vehicle and I paid insurance not to be in this position. Now I can't go anywhere with my 3 children because I do not have a vehicle.