i am not happy about PMD insurance

I joined PMD (prime meridian direct) a car insurance on December 2021 and everything was good on that time. On the 7 January 2023 I was involved in a car accident where I authorized by a traffic police to make a U -turn on free way (N2) and the traffic police was there, as soon as my car collide with other car while I was making a U-turn the traffic police run away. I loaded a claim to PMD on the 9 January 2023. I never spoke to their assessor since from day one to ask to explain to him/her about accident then on 22 February 2023 I got a call from call center say my claim was unsuccessful the reason is because I failed to prevent the accident. they sent a sms says i have to all expencises which are breakdown, storage, collect my car and repair it on my on. then on the following day I call PMD direct I find the lady at the end she dropped my call. Am not happy about their decision and their service