Unfairly treated by Absa😪

I had a car accident on the 14 June 2023 then I submitted my claim on the 15 June 2023 with Absa activate insurance. They hired me a car while waiting for the assessment procedure all seemed well then when they had to approve the claim they said because I had missed the premium for the end of May then therefore the claim is rejected. I am very unhappy with the way my matter was handled from lack of communication to their email or phone ringing non stop or getting hung up after holding for 10minutes. Why did they delay my claim? I claimed before the grace period was up. Please help me understand this as I am going the legal route because now I must incur more expenses whereas I've been paying my premiums.