Day light ******* by my car Insurance Policy company Prime Meridian Direct

On 01 June 2019 around about 20h00 at night my car was bumped by another car whiles I was parked off on the side of the road by my grandmother's house, and the alarm went off and I quickly rushed to see what was happening, as I got there which is about 3 to 4 minute distance from the granny's house I noticed that my car was hit by the car that has been parked behind mine and the driver of that vehicle was under the influence of alcohol, he reversed to my car so badly and hit behind and when he realized he has done the damage to my car he drove away and ran with his car. I then immediately went to the police station and reported the matter and took pictures of my damaged car, send the whatsup message to my car Insurance which in this case is Prime Meridian Direct. the following days of the week I launched a claim with them and gave them every details they actually required from me, with the case number, affidavit from police of my cell phone numbers for them to trace whom the I immediately contact and spoke to after the incident, and guess what today they give me a call and tell me my claim was not approved unfortunately because when my car got damage I was not inside and driving it, they would only my payments if the accident to my car happed whiles I was in motion driving it on parked off, and surprising enough there was nothing stating such case on the contract policy I have singed with them when I took this policy with them two years ago. This is just a day light ******* by this company and I am so angry with them, I have to sue them right away.