THIRD PARTY INSURANCE

So Discovery has a third party insurance for their clients, on one of their website \smarttips"they have the following process and statement. \""When a claim is lodged against a Discovery Insure client and the client caused the accident (we are then liable for the damages)\"" but that was not the case as my claim was refuted by Discovery citing their clients life was in danger. How is that my fault as I was by right stationed at a red robot minding my business when their client rear ended me. Furthermore they failed to review my third party claim as per their process and refuted without proper investigation as per the process on their \""smarttips\"" process on web."""