I hope "SA" in your testimonial means you reside in South Africa.
If so, I still have no idea what kind of insurance policy is in dispute. You really need to visit an attorney who specializes in insurance law and ask your questions.
I do not know about South Africa, but in the USA many attorneys provide an initial consultation at no charge.
Another thought, a publicly funded library near you may hold publications and other sources which may help you resolve your insurance policy problem. A librarian can probably help you find some helpful information. Find your local public library, go there, and ask.
Hello, Evanwyk24 -
I hope I am correct in thinking your question refers to some kind of insurance policy.
If you have not already done so, you may need to find legal help to resolve your issue.
Read the information here:https://jux.law/insurance-coverage-disputes/
Since I have no idea where (what country) you reside, I am unable to find other information regarding insurance law which will be more specific to your location.