PMD is a ****

**PMD Rejected My Claim After Years of Paying Premiums**

I have been a loyal PMD policyholder since 2020 and have paid my insurance premiums every month for almost six years without submitting any claims.

I was involved in a hit-and-run accident at the intersection of the N12 and Impala Road. The third-party driver fled the scene and could not be identified. I immediately reported the incident and submitted all documentation requested by PMD and their claims administrators.

To my surprise, my claim was rejected on the basis that I allegedly "failed to exercise due care." However, no detailed explanation or evidence has been provided to show how I failed to exercise reasonable care or how I was responsible for the accident.

I purchased comprehensive insurance specifically to protect myself in the event of an accident. My policy schedule states that I have comprehensive cover for accident damage, yet when I needed assistance, my claim was declined without what I believe to be sufficient justification.

As a result, my vehicle remains at the panel beater and I have been told that I must pay approximately R4,400 to have it released. I have also incurred additional transport costs and significant inconvenience while being without my vehicle.

What is most disappointing is that after years of faithfully paying premiums and never claiming, I feel that PMD has not treated me fairly. Instead of receiving the support I expected from my insurer, I have been left financially prejudiced and still waiting for a satisfactory resolution more than 15 days after the accident.

I am appealing the decision and have escalated the matter to the National Financial Ombud. I hope PMD and Santam will reconsider the claim, provide proper reasons for their decision, and honour the cover for which I have paid over many years.