MUTUAL AND FEDERAL - GOD IS WATCHING

I am a client of Mutual and Federal through a Broker named Leopan. Two months ago I had hint into a pothole and my vehicles suspension components were damaged. I did not see the pothole due to it being covered in rain water. I have left my vehicle with the agents, VW and requested a quotation of the repair that is required. I had then handed over this quotation to my Brokers. The quotation had come to approximately R23000.00 and my insurance said they would only pay approximately R14500.00. when i questioned why the entire quote is not being paid in full I was told that there is a term called betterment value. For example one of the components on the vehicle is a drive shaft that needs replacement. My insurance is only prepared to pay 50% of that and I need to pay the rest from my pocket. This 50% payment is because the vehicle was used and the assessor deems there is 50% life left in the drive shaft(before impact) and that 50% will be payed for. How did the assessor arrive at this answer I do not know? What formula's he used and where he got them from I do not know.

I have never heard of an insurance company who does something like this. Additionally when I signed to join this insurance company, there was no clause in the terms and conditions which stated anything about betterment value that was handed to me or emailed to me. As a client i feel as if I am being ******. when time had come for my debt order to go out for my premiums there was no hassles, and life for Mutual and federal was good.

Now that I found myself in a pickle and I turned to my insurance company, they are giving me such a difficult time for them to payout. This is not service delivery. this is pure unprofessional-ism. this insurance company has left me without a vehicle through the festive period, yes I had a hired car but only for a certain time(which i paid for in my premiums.)

I have no words to describe to this company as to how unhappy I am with their service. I am so disgusted that business happens in the manner.

I have explained to my insurance that I have a new born baby and that I require my vehicle to be fixed asap. the assessor who has done the assessment of my vehicle and is expecting me to pay the balance `for the vehicle repair. I have been very patient up until now, i have had enough. Does this assessor understand that he is taking away food from a baby's mouth by giving me such a hard time. Is this ethics? Is this fair for this insurance company to give me grey hairs like this, I can not understand why this assessor will not call me, I have had enough of his nonsense. I am your client and you are putting me under high levels of stress! Is this how you are meant to make your clients feel? Stress them out, make the sad, drain their pocket, leave a parent to go begging for money to feed his child because he has agree to the assessor? What nonsense is this?

The car has been standing at VW for overs 2 months now going onto the third. there are more problems this vehicle is going develop like cooling water etc because it hasnt been used in so long? Is mutual and federal going to pay for my car when my car breaks down due to this?Is mutual and federal going to pay for the battery if it is flat?NO, because the client is meant to pay for everything, the clients pocket is meant to be drained.

Mutual and Federal this is not fair what you are doing to your client! Stop it I do not like it. I need some fast actions here and I need my vehicle back to me. Am I suppose to be taking a taxi every day to work? Is this how far you push your clients?

come on, Management- WAKE UP.