PMD claim no payout

I had a Prime Meridan cr insurance for 3 years,I had an accident last year October and they refuse to pay out,saying I used a stop sign as a yield sign,I was alone at a 4way stop street and a taxi came speeding from another way not stopping at the stop sign they blamed me and refused payout...don't use or sign on with PMD prime meridian direct,they don't keep to their words,they take your funds for 3 years and look for any small excuse not to payout