Abuse from Nedbank car insurance

I hit a pothole on the 7/8/23. I took the car to Kia motors the next day. They said they needed to replace a radiator for R8000. I called my insurance to report the issue.

They came and collected the car, after numerous call and emails they gave me a quote of +R16,000 that include radiator, painting of the bumper and few scratches on the car that was not part of the issue.Then I rejected the quotation saying they must only fix the radiator. After I have been waiting, sending emails and calling them, they gave me contact details of the place where the car is and the contact details.I called their supplier who said to me, they are waiting go ahead from insurance this is now in July.

I was uncomfortable about the whole thing then I decided they must give me the money so that I can take the car back to Kia .They gave me a go ahead to go take my car to Kia. I paid for tow truck , I went to mechanic’s space where the car was.

Upon my arrival the gentleman told me they are the panel beaters not mechanics and I found my car stripped. I told that guy that the insurance sent me to collect the car but the condition of the car couldn’t allow us to take the car, I then called the insurance after hours of holding the line they answered.

The person I spoke with on the phone said I must leave my car at that place. I had to pay the tow truck for call out out of my pocket because they didn’t tow the car. I called my insurance and told them that I wasn’t happy with the condition where I found my car in, I asked them to take my car back to Kia to be tested of any damages after it was stripped.

I was told that the car is gonna be collected, then I went to panel beater to see if my car was assembled.

The car was taken to Kia, Kia replaced the radiator for it was the problem that they saw. Upon testing the car they discovered that the car has more damages than the time it was with them. The report was sent to my insurance, after numerous calls and emails they eventually answered and they said car must be stripped by Kia.

Then Kia motors stripped the car and sent quotation of R135,000. After numerous calls that I made again, Nedbank insurance said they are going to send their assessors. I was then told by Kia that the assessor came.

After numerous calls and emails this is now on August, I was then given another quotation which was R36,000. After numerous calls and emails I was told that the management haven’t come with a resolutions as they wanted to write off the car. Other other side the car rental company that has given me courtesy car is calling me after every 2 days threatening me demanding that I must return. I will send Nedbank emails saying the car is going to be taken off me.

Nedbank insurance will just extend the car for 2 days, after 2months and 3 weeks full I received a harsh call with abusive tone from nedbank representative Shevaun telling me that they are refusing to pay for the damages in my car. And they are demanding that I must return the car with immediately.

I feel abused, mistreated and I also feel it’s hard to be a female for you will be taken an advantage, I am sitting here tonight at 24/08/23 22:56. Not even knowing what to do, what to think, I can’t even eat food. My future is gone to the drain because of Nedbank, I need assistance, I am going to loose my job.

I am a graduate who recently got a job after 2 years being unemployed and my job requirements is to have a car, as I am staying in a remote area. If I can use bolt taxis it’s R250 a day. 💔💔💔💔💔💔💔 Please assist me!!!!