SMART INSURANCE IS SO USELESS

With so many complaints about SMART on the internet, I wonder if customer service is of any concern to them. I am just furious that BMW is still entertaining them while customers are complaining about their poor service.<br> My story is quite long but I will summarize. I have submitted my 2 separate claims in January of which one was exceeding their R3000 threshold and they refused to treat them as separate incident even though they were separate. My second claim has been dragged for so many reasons and it seems like they are trying to find a reason to reject this claim. First I was told I claimed for the same back door panel which was initially rejected, after they listen to the recording and found that it was actually the front door, I was told that my the assessor picked up additional scratched from my car which I did not claim for. I was never told about this and the assessor did not mention any additional claims.<br> I really do not understand why there are so many complaints about SMART all over the internet and yet BMW still find a need to continue this services. The most painful part of this is that, this is a upfront payment service and there is no way of cancelling it.