Rejected claim

I had car insurance with the company for the past 8 years I was always loyal client my premiums never bounced shortly in April 2024 I was involved in an accident they rejected my claim .I appointed representative still no luck many arguments but they chose what they thought it suits them one they said I was on a cellphone.Due to that I never treated not working robots as a stop sign.We argued that they said there's eye witness who is taxi marshal .We also argued that asking them how is that marshall be sure because was busy time for him counting taxis .I was also having a passenger on my car they refused to interviewed her they said she might be compromised.We asked how are they sure that eye witness is not compromised.We requested section 205 which will proof that I was on phone I never received.I felt like what they are saying on the contract which is they want to betterment the life of the client is not true.How can they betray a client of eight years.