Claim Rejection

On the 6th of February 2015 I lost my Phone, the last time I used my phone was in taxi from Isando to Germiston and got off at Germiston rank to go catch a second taxi to my place. When I got to the other taxi I realized that I didn't have the phone with me. I borrowed a phone to try call the phone and it was off, I quickly rushed to check the taxi, but it was not there. I reported the phone with MTN and to police. On 10TH of February 2015 I sent a claim form to 24Hour Mobility, on the 11th February 2015 they sent me an SMS claiming cannot be processed due to missing information. I called to explain the day leading to the loss, the consultant Sipho Mbatha rejected my claim immediately and I then asked to speak to the Team Leader Vashti Onill and she told me It was due to the fact that I exposed my phone in public. How can I be 100% sure what happened to the phone and is it possible for a person to leave valuables intentionally and go take another transport? If it was because I left the phone unattended it will make sense of which at this stage it's not the case, I believe this matter can be resolved quickly and swiftly without any hustle and lawyers.