When you purchased your auto insurance coverage, you may not have given it much consideration. You may have accepted whatever suggestions the agent made, especially if you needed coverage immediately to purchase a new vehicle. If the monthly premiums came out of your checking account, you never gave it another thought.
On the other hand, you may be the kind of person who shopped carefully, compared prices and opted for the best coverage. You read the policy carefully, noting the exclusions, and you asked your agent questions about anything you didn't understand. You are a rare breed, but your diligence paid off when you had an accident. At least you thought it did until your received the claim rejection in the mail.