PMD

I HAD CAR ACCIDENT IN APRIL 2019,PMD DECLINED MY CLAIM THEIR OUTCOME WAS THAT I EXCEEDED SPEED LIMIT ON THE ROAD I GOT ACCIDENT AT.I WAS SO DISSAPPOINTED ,I TOOK THE MATTER FURTHER WITH OMBUDSMAN BUT THEIR OUTCOME WAS THE SAME AS THE INSURANCE.IT'S SO DISSAPOINTING CAUSE THE PERSON WHO EVEN DISTURBED ME TO BE INVOLVED IN AN ACCIDENT ADDMITTED& WENT TO POLICE STATION TO REPORT THE MATTER&ON THE OUTCOME SHE WAS NOT EVEN MENTIONED BY THE INSURANCE.ON REALITY HOW WOULD YOU CHECK A SPEED WHILE YOU IN AN ACCIDENT.THEY JUST WANTED AN EXCUSE NOT TO PAY.I JUST WANNA ADVICE YOU GUYS PMD IS NOT ANY INSURANCE I COULD REFER ANYONE TO