unacceptable service and terms of payout!!!

<p>I recently wrote off my 3series bmw which i have owned from new. the car is out of warrantee . i have paid premiums on this car for more than 10 years now with ZERO claims.This is the third week that mutual says my claim is still being processed and no one seems to be helping me. I have been past from pillar to post and consultants constantly assuring me they will return my calls to no avail.</p> <p>The vehicle has engine damage according to panel beaters however mutual upto this point say they will only cover panelbeating expenses and not engine damage(even tho mechanic insists this damage was cause through the accident and nothing else).</p> <p>The panel beaters initial quote was in the region of 125k which was not satisfactory to the assessor who subsequently located a s**** vehicle(similar model as mine however s****ped) and planned to buy spares off this s**** vehicle there by reducing the quote to almost half.</p> <p>Therefore not only is mutual giving me second hand S**** parts on my absolutely pristine condition 3series but they are also refusing to pay for engine damage caused through the accident.</p> <p>The vehicle prior to the accident gave me absolutely no problems what so ever and was serviced regulary.</p> <p>It is now the third week and i have had no contact from consultants for the last 4days. No one has kept me informed and i am at my whits end with mutual and federal. I will certainly be canceling insurance on my other vehicles and personal home and business insurance with this company. I have never dealt with a more inefficient group who fail to keep me in the loop and give me closure on my situation.</p> <p>I would like to warn other policy holders and potential clients that mutual is a very sticky bunch to deal with especially when a claim arises. They have deliberately looked for reason NOT to pay me the vehicle book value and actively searched for loop holes and reason not to pay out- exactly what we do not look for in an insurer.</p> <p>I am completely and uttelry disgusted at this companies willingness to provide solution to my problem in a timeous manner!!</p>