Broken Cellphone

I put a claim in 2 weeks ago for my cellphone that was drive over at work they ask for a damage report and photos I send everything then they want the broken phone(salvage) they never asked for the broken stuff so I phoned the place where I this phone is they said they don't keep damage phones they dispose it so I send a letter to Hollard that they dispose the broken phones then it went to the Committee meeting and still I don't have a answer it looks like they don't want to pay out the phone every month they get my payment but if you need to claim so many story's it is 2 weeks that I must struggle without a phone I pay that insurance every month now I need to struggle because Hollard don't come back