Worst insurance ever.

This is the worst insurance ever. They rejected my claim as they were saying I parked *******. They further made me to pay +R6000 for towing, although I told them that I had a head injury during the accident and I had to be rushed to hospital. I told them that I repeatedly told the towing company who was on the scene not to tow my car without authorisation. Instead of not paying the company who towed my car without my consent, they made me to pay for the towing. I also told them that I had a witness who was on the scene who can testify on that, but they never even contacted the person. They were threatening me of adding the storage charges if I did not collect my car so I had to pay the money even though it was not my fault. When I asked the guy who towed my car why he towed it without authorisation from the insurance. He told me that he tried calling the insurance but they never responded so he decided to tow the car because they are working with the insurance as they are on their database. I also explained that to the insurance but they never listened. All they were saying is that, I'm the one who authorised the towing company to tow my car so I have to pay. During the period of the claim, every time they were calling they made a point of leaving me more depressed as they always telling me bad news when they call. Don't ever, ever consider PMD to insure you vehicle.