Standard bank Insurance - Bad service - Taking advantage of pensioner

Standard Bank Insurance refused to pay for my mother's claim who is a pensioner as they expect her to be a mechanical engineer and diagnose a car issue within a second.

My mother was driving home and due to rains the car when into a big puddle in the road that a rock that damaged the sump of the car. She continued driving for a few meters until a taxi driver alerted her that the car was leaking. Mind you this was within second after driving through the puddle. She then stopped the car and to see what was happening and immediately called the insurance that came to tow the car.

The responded later to say she was supposed to have not driven the car after it went into the puddle. How was she supposed to know what damage was caused? The car was still driving well and she didn't suspect anything as there was not warning light. Now standard bank insurance is refusing to pay out saying the car was driven for 100meters after it got damaged.

How is a pensioner supposed to pay for over R90 000 damage? She took out insurance for this very purpose.

After she has received no luck with the insurance I have taken up the matter on her behalf and will do anything in my power to ensure justice.