Rejection of insurance claim buy the insurance company Prime Meridian Direct (PMD)

on this day the 07 October 2017 I was involved in car accident where my car crashed out of the road and I almost lost my life and luckily I was alone in the car.

I reported the accident in the afternoon the 07 October 2017 at Sunnyside police station because so I called my insurance which is Prime Meridian Direct (PMD) on Monday and I was that I will be called but that didn't happen so because I had injuries so I was home nursing them while I was waiting for the call from my insurance.

on Friday the 14 October 2017 I manage to log claim with my insurance company which is Prime Meridian Direct (PMD) and the person who assisted me was very helpful and she assisted me in very nice and polite manner on Thursday I was called by Prime Meridian Direct representative from claims department to tell me that my claim was declined.

I have joined this insurance company since August 2017, I pay my premiums on the 25 of every month. on Wednesday I went to the storage to take my personal belongings on the my when I was there I was told that I can not enter because there was assessor so I waited out up until he finished up and by passing he was speaking to the guys that are working there in Afrikaans because he was white man that the car will be written off because it can not be fixed as its damaged and I was also instructed to take the pictures of the car and send them to the insurance company so I found it strange that they would send assessor and at the same time they will also request the information from me while they would be able to get it from the assessor.

I believe that the insurance company just does not want to pay what is due to me and they even send second assessor to access the car and they left my car Bonners opened when I was in the storage.

I was told that by the time the accident happened my car was not insured because the accident happened on third month and what amazed me on the 25 October 2017 they debited their premiums while they decline my claim and they knew it very well that my car was written off and I was in condition to be used again and it was in the storage and I was told that they will pay the towing of from where the accident happened also they will not pay for storage all the cost will be on me. the is no human being who can insure something that does not have value.

I was promised that they would pay it the car was written-off, theft, hijacking, third party vehicle liability protection, natural fire and natural disaster, accident contribution, towing, no access required also they will hire car for if I am involved in accident and premiums are fixed for life of the policy.

I have reported this to my lawyers from legal wise to assist on this matter as it is stressing me a lot and It is also costing me a lot as non productive at work because the stressed caused by this insurance company adding on the stress that I was involved the accident which really wanted to end my life at early stage and worse part of it I just got married on the 12 August 2017 so I was to leave my wife with to kids and I their only bread winner and I am the only child who is working.