Happy at first but disappointed now

Had an accident while trying to avoid to hit a taxi in August, i lodged a claim with PMD and I was very happy when I was approved, however I clearly reported that my car hit the under carriage which is the exhaust system leading to it reporting some drive chain errors and loosing power. I had a dent on my front bumper which I could fix for myself as I did not want to interfere with my excess but because of the engine noises and loss of power I decided to lodge a claim.

What bothers me now is I took my car to a dealership you directed me to and as per their request I told them all I was experiencing after the accident (they noted everything on the car)they said they will be done in 15 working days, good dealership, always sending me updates but two days before releasing of the car I was notified that they only do auto body not checking of engines, that’s after 4 weeks without my car ( mind you I am renting a car all this time as I am self employed and travel a lot). So I called PMD and asked why they only fixing the dent and not checking the engine as well (because the dent they fixed I could have fixed myself on a private panel beater at a far much more lower price than the excess I am goin to pay as part of the claim agreement.)

So I called PMD the lady was nice, she apologized and promised me they will give me feedback in 72 hours and my car will be taken to a bmw garage, since then, 8 days ago there has been no response from anyone both you guys and the bmw garage. Worried, I called the first dealership which you referred me to, they were nice as always they promised to contact the bmw dealership where my car was transferred to and get back to me and they did.

What annoys me now is I was given feedback from the bmw dealership today saying they are still waiting for feedback from insurance assessors (meaning they haven’t done anything and nobody bothered to update me on progress - a week now). I was supposed to collect my car on the 23rd of September due to transferring and checking of theengine the date was extended to the 2nd which is tomorrow now, there is expected date of completion, Pathetic service I tell you.

I am paying car rental on a daily basis, my car has been away 5 weeks now (excluding the week it took you guys to approve my claim), my question is, is this how you work?, 6 weeks and still counting?, I have full comprehensive cover with 1 million third car coverage, if you can’t help me now my own car will you be able to cover another car if it happens I be in a serious accident?

I do not see it fair that I hire a car for 6 weeks while at this moment it’s safe to say my car is just seating somewhere waiting for more than a week for you guys to approve. Not fair, I have been a loyal client, never missed a payment and or asked for a payment holiday during the lockdown period even though I am self employed earning no salary during that time I sacrificed to pay you guys. Now I am dipping more into my finances to hire a car while you guys are taking your time( 6 weeks of car hire - that money would have fixed my car and I be having my car back long time ago)

I am now disappointed in you guys, we receive insurance offers everyday most of them actually offering to beat your premium and they do, but I stayed with you guys, not fair. Disappointed. 6 weeks is not a joke.