OneAssist Consumer Solutions — my phone was working fine when i claim for screen replacement buy when they return my phone which is not working

I have purchased oneassist policy for my redmi not 4 i claim for screen damage which is acsidently happen with me and minor screen damage but my phone is working absolutely fine and after 1 week i raise claim against my phone they take my phone for replacement and rejecte my claim says "i am irresponsible and i am not able to take care of my phone" after 2 week i receive my phone with not working condition what the heal... I go to the mi authorities service centre and repair my phone.. Plz don't go for oneassist thay don't value your money and time