Outsurance Ignoring Statutory Road Rules and Official Evidence in My Claim

I wish to formally record my dissatisfaction with Outsurance’s handling of my third-party claim. The decision reached by Outsurance is legally and factually unsound, and reflects a clear disregard for objective evidence and established road-traffic laws.

The official accident report — completed by SAPS — confirms that the Outsurance-insured driver failed to stop at a stop sign, thereby violating National Road Traffic Regulations, which requires a full stop at a stop sign before entering an intersection.

Despite this, Outsurance has rejected liability on the basis that their client “believed she was approaching a four-way stop.” This justification is both factually incorrect and legally irrelevant:

1. The intersection is not a four-way stop, and this is objectively verifiable. 2. Even if it were a four-way stop (which it is not), the insured would still be legally obliged to come to a complete stop — which she did not. 3. A driver’s “belief” or misunderstanding of road signage does not absolve them of negligence, nor does it override statutory road rules or the physical road markings shown in the accident report.

Outsurance’s position effectively ignores the official police report, photographic evidence, video footage, and the insured’s admitted failure to stop.

It is deeply concerning that an insurer can dismiss statutory obligations and documented facts in favour of an unsupported version from their client.

Their client’s negligence has caused me financial loss as my vehicle is used for business purposes, stress, and significant inconvenience, despite me being the innocent party.

I am in the process of formally disputing this decision through Outsurance’s internal resolution team, and will escalate the matter should this procedural unfairness persist.

Consumers deserve objectivity and fairness — not decisions based on assumptions that contradict the law and evidence.