I had the miss fortune to be involve in a collisio...

I had the miss fortune to be involve in a collision with one of their client, at the time of the accident the police was call and the driver was declare at fault by the peace officer, who assure me she was insured. I filled a claim the same day with Accc. Insurance I was given a claim number. I called the very next day to find out the status of my claim no answer after two days I received a letter from them claiming that they have been calling me unsuccessfully, (Not true) and said that they were not able to contact me. So fanally I was able to talked to one of their ajusters name Jonathan who told me that their client was an excluded driver and they had to denied my claim I told him that I was going to hire an attorney. He answered very rude and said "do whatever you want we still not going to pay you"! I don't understand why their client was insure at the time of the accident but not three days later. How can this sham company still in business?