Unreasonable Delay in Settlement for Written-Off Vehicle

I have an active claim for an accident that occurred on December 20, 2024. My car was written off due to the extent of the damage. However, Naked Insurance is refusing to settle the bank, and they haven't provided an ETA.

In the meantime, I’ve already paid two installments to MFC and two insurance payments for a car that has been declared a write-off. It feels like they are deliberately dragging this out to wear me down. I re**** on my SUV for frequent travel to rural KZN, but now I’m stuck without a vehicle and unable to get a new one.

I feel like they are planning on offering me a low settlement, assuming I won’t have the time or resources to fight back. If that’s not the case, then why is it taking so long to finalize the settlement when all the necessary information is already available?

I will be escalating this matter to the ombudsman, as I can no longer afford these ongoing costs.