carefull of PMD cover

Claim Number CL ********** 08

I had an accident 06/11/2018 with my 3 series Bmw a truck turn straight in front of me, I did my very best to avoid getting hit but unlucky the truck hit me. - I contacted prime meridian direct got all the forms sent to me and had them sent back with in 24 hours as asked. with all photos as required. after a number of phone calls to get a update I finally got a call from PMD informing me that the damage to my vehicle is cosmetic & they will not be covering the damages. I took the motorthrift cover with executive accident cover this means nothing due to the fact that my car drives after the accident - they will not cover me. the way I understand it is that my wheel had to be knock right off for them to cover me. my fender rubs against the wheel of the car that is causing damage to the tire that is making the car undrivable it may make a difference to the out come but this needs to be sent to a legal department so they can decide if they will pay within 35 day I need my car to make money . - also I informed PMD that I have video of the accident the agent said please keep it they will ask for it at a later stage. please people if you have saved your hard earned money to buy a car of your dreams buy something cheaper and get proper insurance that will cover your damage. PMD may be cheap but they a willing to take your money and let you drive a damaged car.