Unfair problem

My name is Ridwan Amod Shah and my experience with the East Coast Insurance Administrators & underwritten by Nzalo insurance services was the worst experience i ever had. I further will not or never recommend this company to any one.

I was unfortunately involved in an accident on the 27th January 2018 on the N2 south bound near the Chesterville squatters in which my only vehicle that i owned, a Toyota Corolla Prestige was remained written off completely. A truck that belonged to K-Trans had driven into my car and about 12-13 other cars. In this accident i had lost almost my entire life. My car firstly that i took so much care for, that me and my wife use to travel to work with, that was use to transport my kids to school, that was used to do what ever was needed giving us peace of mind whenever stuff needed to be done. I also lost my laptop that got crushed, my wife cell phone and many other belongings that was stolen from my car by the residence of the squatters. My wife son and i that was in the vehicle had sustained some minor injuries to which we have recovered quite nicely. Then the nightmare started. Firstly, The such insurance company took almost 2 full months to settle the insured vehicle only because the last premium bounce due to having insufficient funds because of a little overspending during the beginning of school. To my knowledge a vehicle is only confirmed out of insurance if the premium returns unpaid for 3 consecutive months. In the interim we asked us to do the running around for de-registration forms and bank settlement figure and many other which infact was the brokers task. Nasty emails were being shared by the broker and myself. Then only to realize that my car was undervalued and that the said insurer is not going to settle the complete car. This has put me in a bigger situation. We were also advised that the said insurance company will wait for another 10 days after the dual debit goes through to them(for what i do not know). Payment was stopped for my car because the said insurance company was suppose to settle within February but did not. The entire month of march we had sent so many emails to the broker to in turn inform us of the proof of payment that was done to the bank but we had received no response. Only on Monday 2nd of April we received proof of payment. Now we cant get finance from any bank for a new vehicle due to all this problems. This is making our movements so difficult with everyday life.

Secondly the truck company have done the damage now no one wants to take any responsibility for this action. I have called the trucking company and they refuse to assist but inturn to call their insurance company and their insurance company asked us to contact our insurance whom do not want to take head of anything. I have lost everything and now no one wants to cover me with anything. If the truck hadn't knocked into me i would have had no issues with any thing thus there would be no issues in my life. We are normal people that live life according to our needs and requirements but now bearing the brunt of other peoples mistakes.