Road cover

Very much unsatisfied with road cover/ cover drive In Being sold to me telephonically the products cover there is nothing that is mentioned of them being or playing the middle man and that the municipality is responsible for paying my claims cost of damages to my vehicle amouns to over R30000 and was offered R3500. Nothing is mentioned that you have to wait a year for payouts from municipality. Trapped on the sense that they phoning me on behalf of my bank. People should know you not paying any cover but a lawyer so sad