3rd Party Claim Declined :SPM 359863

I have no words to describe how disappointed that there are still insurance companies who operate like this in south Africa, on the 02nd of October I was involved in a car accident with my fiancé's car because a Renasa client had not stopped at the Robort that was not working, Hit me from the back because I was already in as I had right of way and the car I was driving spun into two other cars, so about 5 cars were invoilved in that accident, Mr Manzini Gave me his insurance details so I could lodge a 3rd party claim, First I had to go through Sasfin HRS and when I had submitted everything they wanted , my matter was referred to Shaleen Ncube at OCLS, who also requested more documents , everything was sent to them I kept following up and lastly on the 19th of December I received the below from Nombulelo, the initial claim was lodged on the 13th of October.

''Good day,

The above matter refers.

OCLS holds instructions to act on behalf of Renasa Insurance.

We hereby deny liability for your damages.

Please be advised that we are busy with recovery.

We are of the view that the driver was the negligent party. In light of the above no offer will be coming from us.

Kind regards''

Regardless of the fact it was clear from the accident report who was at fault, they still felt I was the negligent one, This has been such an inconvenience, cost me a lot of money, I can not even take my son to school because we do not have a car. what shocked me the most was when I asked Nombulelo if they had taken a look at the accident report and she said they do not use the accident report they just take their client's word , I have attached the statements from the accident report with your client stating he hit car B, which was the car I was driving.

I will seek legal help on this matter because all facts are there in black and white.