Terrible service and *********** staff

<p>This will be the second bad experience with Santam.</p> <p>First the insurer damaged my vehicle and Santam made assumptions and went through the wrong process o had to start from scratch and therefore made the time frame even longer.</p> <p> </p> <p>Second, the payer was as fault for an accident more than 1 year ago and believes the client's statement where I have witness affidavit from 2 police officers but they refuse to drop the claim.</p> <p> </p> <p>Please advise how I can counter claim/sue</p>