Bullying of Customer by PMD

I listened to the recording between myself and PMD, i looked at the reasons that my claim was denied and i feel we as consumers we are just being bul**** because we lack resources to fight this organisations. The reasons are as follows: 1. PMD claims that no floods or rain occurred on said day, yet the weather report says otherwise i addition Boikhutso experiences localised flooding on certain sections of the road... PMD did not bother to look this up. 2. The tracker shows that the vehicle was outside Lichtenburg on the specified times but i make it clear on the call that i am not sure of time in addition i only reported this on Monday as i was not sure if water damage is covered by insurance. 3. Mr Rodney Mdhluli requested myself in telephonic convo recorded that i need to prove to him that the damage was due to water that time is is their work as an insurance , the vehicle was assessed by Audi and RMI approved workshop , the RMI approved workshop i their report noted that damage was due to water and PMD DECLINED IT. 4. Family please assist with resources so one can take on PMD.