Fixed premiums for life have turned into a nightmare.

Am a very fustrated client, I took a policy with Prime Meridian Direct Insurance in 2015.The first premium went of on the 20th of July 2015,since then I never missed not even one premium.

Am a black woman that got inlaws living in Farm ,the place that is not well developed. So I met my inlaws last year (2017),I visit them once or twice a month.This year (2018) it happened that i met up with an accident.

On the 25/09/2018 @07:30 am on my way to work from my inlaws,I was involved in a car accident. I was driving alone in the car,unexpected on a sharp bend I came across the ***s unattended. I panicked I tried to swave the car away from the ***s to the right,but I was going to hit the wall,so I tried swaving to the left,that when I lost control ot the car,it overturned with me inside down the bushes.When it stopped I saw smoke so scared I thought I was gonna be set alight.I unfastened my seatbelt, I couldn't open my door it was jammed.I jumped off the passenger's door and screaming for help.

Poeple came ,I borrowed a cellphone,one lady gave me her phone.I called my husband informing him about the accident .I couldn't use my cellphone cause I didn't have airtime.

My husband came to assist me.I used his cellphone to call Prime Meridian Direct Insurance informing them about the accident, they arranged the towing ,SMS came on my phone with reference and Towing Company name.

The completed claim forms were faxed to them on the 26/09/2018,then on the 27/09/2018 SMS with the policy number came confiming the claim has been logged in their system and thanked me as they have received back the completed claim forms.

On the 4/10/2018 a lady called Medilaine Buitendag phoned me,she told me my car has been written off,I cried and i asked her whats the process, then she said my car was was covered at 100% Trade Value R118100,I told her my car was financed by the Bank,then she said they (PMD) will settle the balance then the interest wiil be given to me ,even the investigator said the same thing when we went to where the accident happened.

I was a bit calm because my car was covered 100% at Trade Value Accidental Write off Protection.After few days Madelaine phoned me,she said PMD won't be settling the car only R59050 and the balance will be paid by me and I won't be getting a cent from PMD Insurance, then I said to her as a client the amount due to me,they will share amongst themselves as commission or something,she denied it.

This is unfair to me because i have to pay for the car that does not exist anymore,******* at day light,inconveniencing my life with no symphathy at all.Madelaine said accident happened in the gravel road so they reduced by 50%.I asked her because the accident happened in the Farm on the gravel road that is not considered as an accident to them?I don't remember Madelaine giving me a striaght answer,how heartless is that.I said she must escalate cause I disagree with this 50%.

Tarred road or gravel road,my car was cover 100% Trade Value Write-off,I want PMD to settle the whole balance to the Finance people and give me interest. Its been 2 months this claim is not resolved,they giving me a run around.This is affecting my work,I take 3 taxis to work am always late and stress affecting my work perfomance.

ASAP I need to buy another car,but I can't cause am owing the other one that does not exist.I bought the car because it will take me wherever I want to go.

Most painful the instalment for October and November went off,no car,am depressed paying for something that is not in my possession.

All the documents they requested from me I have given them including the Vodacom call data.

My 2015 contract Terms and Conditions ,Telephonic records does not match their Benefit Limitation of which Madelaine said its been updated,I didn't know anything about updates.Once you add a word or words in a sentence,the sentences will never correspond.

All those who took a policy with Prime Meridian Direct Insurance please becareful.

I desperately need help,I just want Prime Meridian Direct Insurance to settle the balance with the bank,so i can move on with my life.