Unhappy with service and repudiation

I have registered a claim for my vehicle that was bumped by another vehicle, and so by the way, this was a hit and run! My claim was then declined due to driving under the influence. No breathalyser, blood test or any test was done to confirm this allegation! According to the South African consumption allowance, one could consume 0.05%. How was it confirmed that I had consumed more than that? One should also take into consideration the time frame, from the time of consumption to the time of driving. I am extremely disappointed at the service received and the repudiation. No consideration was taken into account at all. OUTsurance only deducts their premiums monthly and in time of need or tragedy, they are not there to help their clients!