Rejected for an empty reason . No clear research conducted just assumptions

After rejecting me they never provided a good reason. They gave me an empty reason. Promised to get back to me in three days after my complaint but didn’t . They blame speeding for causing the accident. I thought we pay so that if any mistake happens and cause car to crash an supposed to be covered but to my surprise it seems they don’t cover for accidents which I thought they would .

They said speeding caused the accident and that’s it and they never showed me any logs or anything proving that . They just wrote down .

Choose them and you will find out after an accident. Whatever reason they looked for to reject me is not there . It was clearly an accident and that’s out of my control . Am not exactly sure what I bumped into or caused the rear right wheel to break and come off