Claim rejected.

I claimed for my radiator to be replaced, and i was told i was negligent. and i explain to them that i bought the car and i was not aware that it was in accident when bought as the dealership didn't disclose. i drove the car the for 10 months and i had to replace the engine, and while the mechanic was busy with it discovered that the radiator is faulty also, i tried to claim and my claim was rejected. so i would like to know who opens up the car when they buy it, or was i suppose to open up the engine and take off the bumper to make sure that everything is fine. am not happy with Innovation because they assume i was negligent whereas i was on even involved in an accident. they can even go inquire with my insurance if i claimed for accident or not.