After 2 years ...accident claim rejected

Morning, I am writing from a disappointment I got from Riaan Cronje , the person was responsible for my claim(***) . on the early hours of Sunday (16 February 2020 3:20) I was driving at a normal speed of 120 km/h when I crashed at the back of the truck trailer (ABS 0009). The truck didn’t have the tail lights on at the back so we hit it at the back ,the truck driver said we should move the car from the road as its dark and to avoid another car hitting us, as we move from the road the truck driver decided to run away that’s when we were able to get the registration number of the trailer. We didn’t have network connectivity when the accident happened so we had to wait on the side of the road until helps come because I was with my friend (Kwena) , while we wait one of my friend (Mokone) saw us on the side of the road , then that’s when he suggested to pull the car to the nearest safety to one of his friend. Then we proceeded to Seshego police station were we did the accident report at about 7:00 to 8:00. Riaan came to my house together with his colleague to get the details of what happened that day from the 13 February to the 18 February, they even when through my phone getting information on my were about during those dates, I even showed them the slip for purchase at vivo ntk because I was driving the car at the time which was on Friday(14 February),I also had pictures on my phone to proof that, they also request my bank statement which I felt like invading my privacy but I had to do it to help them validate all the information I have provided them with. And another question they asked was that was I drunk and I told them I don’t drink at all. During our talking he said that the damaged on the car was not caused by the hitting a truck from behind. Then that is where I saw that he is up to something. Then recently he came to my work place with the same colleague he came with showing me some report saying it’s from a specialist , you could clearly see that they planned they story because even if you tell him your side of the story of what happened one could understand and one could argue and they ended up arguing with each other not based on the facts but on what they planned. They telling me that the car was already damaged before the accident and they showed me under the car pictures because the sump sustain damages, I told them that the car has scratches under because that car it’s a 2005 model and I was not the first or the second owner, after getting the car I had to fix it first, including getting the new engine and also the car has done some damages before on the sump which I fixed. You could clearly see that they just want a reason to reject my claim and that time I have a weakness of what happened(Kwena) .how could one come with a stupid excuse like this. They can even go to NTK and look at the cameras to see that I was driving the car! (***) On the second case I was involved in another accident on the 17th February I saw involved in another accident after I have dropped my mother at about 23:00 , and I was rescued by a guy driving the red venture,I was trapped inside the car with smoke and all doors couldn’t open, then they opened the back door for me and first help arrived on the scene ,they asked if I have insurance then they gave me the number to call and I gave them my ID number to authorize towing, I called a friend (Mokone) to notify his that I was involved in the accident then he came rushing to the scene then he took me to the hospital and after the treatment we went to the police station. All the information was given the day they came to my house I even told them the name of the tracker now they saying my car was not covered because the policy was cancelled on the 16th February ,without any notifications. On Friday at about 15:20 I got the call from Riaan telling me that all my claims were rejected due to dishonestly and they have cancelled my policy which I am still shocked even now. I spend all my weekend in trauma because of the way I had so much faith in OUTsurance . I expected an insurance that will be there when one need them not find the reason to reject the claim, I have been with OUTsurance for more than 2 years now, and it was my first time being involved in an accident. I expected so much from OUTsurance I even motivated people who didn’t have insurance to join OUTsurance especially Taxi owners. Now when the world had turned against me and they weakness this what will they think? They state that they have cancelled by policy which means even now I don’t have cover for all my cars , yet they debited my account on the 1st of March , if OUTsurance fails me like this then I don’t see myself having an insurance ever in my life. I hope you could attend to this at it is really affecting my life as I keep thinking of it. Kind regards Johannes rebombo