Unfair claim rejection by Guardrisk the underwriter for Admyntec.

My claim was rejected as a result of unattended phone during issues with my car. I have been phoneless for more than 2 weeks due to an unforeseen tyre puncture on a main road. We experienced a tyre puncture while the phone was charging in the car. We were trying to fix the car and tyre with the assistance of bystanders when the phone disappeared. There seems to be no consideration of the fact that a person is not thinking straight nor aware of their surroundings when faced with life issues and car issues. as a Loyal MTN client ever since high school I am disappointed and inconvenienced. I thought I was covering myself against all risks but now I am told otherwise. I been on calls with MTN, Admyntec and Guardrisk the whole day with no clear direction or resolution.. I need help