Issue not solved

they are very unprovisional and negligent with no clear communication structure I should have never joined this company because they made my life so difficult.

Dear Insurance Ombudsman,

I am writing to lodge a complaint against PMD Insurance regarding a claim I made for my vehicle accident that occurred on 9 December 2023.

On that date, I was involved in a collision with another vehicle, which was at fault for the accident. The other driver also lodged a claim against my insurance third party. PMD Insurance put me on a customized comprehensive insurance, which had terms and conditions that required me to pay the shortfall on my claim.

When the claim was approved, I was told to pay the excess of R15 000.00. I agreed to that and requested PMD Insurance to send my car to a panel beater. However, when the quotation came back, they told me that I should pay a shortfall of R29 000. I was not informed of this possibility beforehand and I did not agree to pay such a high amount.

I then told PMD Insurance to withdraw my claim and the consultant that I spoke with on 25 January 2024 agreed to do so. However, she also cancelled the third party claim without my consent or knowledge. I specifically told her to cancel only my claim and not the third party claim.she assured me that there would be no problem.

I feel that PMD Insurance lacks in communication and emotional intelligence. They did not explain the terms and conditions of my insurance clearly, they did not inform me of the potential shortfall, and they did not respect my wishes regarding the third party claim. They have caused me a lot of stress and inconvenience.

They have mentioned that they will investigate this matter.

I request that you investigate this matter and help me resolve it. I would like PMD Insurance to reinstate the third party claim, reimburse me for any expenses I incurred due to their negligence, and apologize for their poor service.

I have attached copies of all relevant correspondence and supporting documents to this letter. Please contact me if you need any further information or clarification.

Thank you for your attention and assistance.