Old Mutual insure claim being delayed after receiving agreement of loss letter from Old Mutual Insure

I'm doing a claim for my car Ford Ranger with Old matual insure, the car was called total loss on the 24/07/2019, on the 31/07/2019 I received a agreement loss latter from the old matual insure which state that they will pay off for my Ford ranger total loss car, one week later, I received a call from Peter Anderson old matual insure investigator saying he will come to do an investigation regarding the car total loss, during the investigation, I experienced that I was not being treated fairly due to the color of my skin, the investigator was not fairly toward me and I reported him to the old matual insure service Centre but nothing were done about that, than on the 10/09/2019, Peter Anderson send back the report to Mr Petric NTSHANGASE on claims department of old matual insure, Mr Petric NTSHANGASE told me that the report says the claims must be rejected through that I have represented my self uncorrectly ,the car was used for business at the time of accident, and I didn't state the person that will be using my car but while my policy is for business used car and my regular driver is my brother Thulani which the name is stated on my policy. Mr NTSHANGASE from claims department fail to send me the rejection letter due to report not giving up clear reasons of rejection and Mr NTSHANGASE said he will try to advice for relooking of the rejection report results again before he can write me a letter of rejection which is taking more time than before, this claim is being delayed for unnecessary reasons. The Old Mutual Insure is looking for reasons to reject my claim but looking to not founding one, plus old matual insure advice me that it's possible they will do another investigation towards me to look if they can found more information that they can use to reject the claim. I will like to get help with my claim urgently, my Name is Lucky Ndlazi, the email address is *** please help me. Thank you