claim rejected due to usuage

I am so disappointed at Vodacom and their insurance. I have been in an abusive relationship with Vodacom for years, i guess my blood is red like that but this time around this takes the cup , after i submitted my phone for repairs the claim was rejected due to usage no one even had the decency to call me and enquire what happened after i told them i was involved in a car accident early August and my phone broke. Today when i try to fix it my claim is rejected after i have been paying them for 1 year i get no assistance. This was by far the most appalling service I have ever received after been loyal for so long. i am utterly disgusted at their service and i wont even recommend this company to any one. they might as well as refund my money so i can fix my own phone.