Who cares whose fault it was. Apparently you don't understand the nature
of property insurance.

I understand that the nature of property insurance is that its a written
contract between the insured and the carrier.

The time to read your policy is *before* you hit something, rather than after,
(and then howl about the details of the contract you signed).

The insurance company didn't come looking for you to turn you into a victim.
You hit something. They then performed as per the contract. Your specific
complaint is, what?