National Insurance Company — iphone accidental insurance claim denied

I Ram Murthy ([protected]) was driving and accidentally My iPhone fell on the busy road a car accidentally drive on the iPhone and the display got damaged on 27/04/2018 around 9.00 PM at outer ring road Balladur and when I went to claim the accidental insurance I was declined stating as willful neglect, My CRN No: 260200/29458/17/[protected]. How can some one willfully trough the phone below a car that too when I have paid 70K on a phone and additional 3k on the insurance. I tried to talk to the ample or the icare customer care they repeatedly declined my claim stating willful neglect.