ALL TALK BUT NO ACTION!
I was involved in an accident on 27 October 2021 and it's been more than a week since my accident. My car was declared written off as the airbags deployed and the car was badly damaged.
I was initially assisted by a Mr R. Governder who was not responsive and or helpful with my claim. I was then told that I will be assisted by a new claim consultant being Ms L. Matlala, who was at least trying to do her job. However, I was told that I would be given R2827. 27 for credit shortfall which is useless since I'm in finance and I owe almost R200 000. Furthermore, they offered to give me less than the retail value of me car which is a rip off since retail value is the highest value on a comprehensive car insurance.

I have requested a copy of my audio recoding of the day I took my insurance but to date they have told me to call the client care department, then later they require the permission of a manager then another says no I have to wait 7 to 10 working days. While another asked why I require the recording. They are trying their best to hide and avoid paying up. 

I am still not receiving any help or explained to what I'm suppose to do with that credit shortfall amount which only amounts to 1% of what I owe to the bank. Shortfall is to help cover the money owed to the bank. What do they expect me to do now?

They are all talk but no action. They start you up with good premiums and ask that you rate their service and you give them a good score to look good. When it comes to doing the work, they can't even perform, they delay, avoid and come up with all kinds of strategies to avoid paying up.

I have been consistent with them. I pay monthly, I trusted them and in my time of need they are playing hide-and-seek.