Rejected claim

On the 11th of July 2017 I fell with a cbr 1000cc around 17:20 pm and I was taken to the hospital with an ambulance. After two days I lodge a claim with this company of which I've been their client for more than a year. Fast forward after two months and two weeks there was no communication from them, then I decided to check about my bike with a guy called Nkululelo and he told me that my claim was with their legal department and there was something suspicious about my claim. A week after I decided to lodge a complain to the complain department I even called the more than three time. After my complaint I received an email from them that my claim has been rejected with two reasons. First gearbox seems to be faulty and I fail to take all due care and precautions, but my understanding thats why I took insurance for such events. So they shifting the blame for them not to pay. So I decided to go and fetch my bike from the work shop where it was. To my suprise when I get there nothing was done to it. So I am asking my self where did they get this report because when I spoke to the work sop owner he told me a different story. There was quote for the bike and that it was a write off because to repair the bike was going to be much expensive. Sad reality about other insurances, all they are after its our money only and nothing else.