fooled about 150000 pay out

My car is been hijacked and ******, car track failed to recover my car, They promised that if they fail to recover your car they will pay you 150000, but now they decline my claim , the reason is that miway insurance decline my claim so they said if miway decline they also decline, but if miway pay ,they will also pay, but their sales consultant when she was selling for me I asked her a question that if my car is been ****** and I don't have insurance will you pay me , she said they will pay for their side because is different companies now the refuse ,because miway decline because of their tracing device