They try to reject the claim in hopes you will pay it and move on , They do this all the time it what they call good cop bad cop but one thing you can count on is either being dropped or you're rates will sky rocket. In the long run you will pay for it 10 fold even if you go to another company you;re rates will still be high.

My claim was storm damage to a car and my rates were so high I had to put everything in my wife's name and take myself off the policy.