Lenovo — Accidental Damage Protection - Fake

I Bought Lenovo laptop together with the accidental damage protection and warranty for 3 years. The accidental damage protection says it covers water spills, however when I had an accidental water spilling on the laptop the Lenovo service center refuses to cover it. What is the point of buying this accident protection if it covers only minor things, the policy is super unclear and it seems that service center does all they can to not use the protection to cover the damages.
Desirable resolution would be either to make the policies explicitly clear what is covered and what is not, so it is not at their individual officer discretion or to make a proper insurance policy and cover all accidents that contain water spilling, etc.
I highly recommend not buying this protection, it is very obscure and seems like a waste of money.