Bad service

I am really disappointed with pmd, on the 7th of March my car was affected by the heavy rain fall, the towed me and 2 days later they call and said they are writing off the car, I asked at what grounds and also asked for the assessment report but the lady said she has escalated the matter 2 to 3 weeks later they called again saying they are rejecting the claims because I drove on water on purpose and I said I don’t think a normal human with a GCS of 15/15 can do that, I still asked for the assessments report but they refused still to give me, now they are telling me I am owing them R5900 for towing and storage. And they automatically cancel my claim, why? it was a natural disaster I couldn’t stop the rain and I was already on the road and they handled my claim really bad, first it was write off and I didn’t agree because I wasn’t provided supportive documentation then claim is invalid, how were you writing it off if you knew claim was invalid hawa PMD . I know I am just a girl child but don’t play me like this because I was gentle and nice, I had a rude person handling my claims but multiple people were calling me giving me useless updates.