Old Dominion Does Not Honor Insurance Policy

I purchased a scooter from EVOsales, an internet based company. According to their policy all deliveries are 100% insured. When the scooter arrived it was damaged. I immediately called the scooter company and they told me to contact the insurance company. I called them, filled out the forms they asked me to, sent them the photos they asked me to, got everything to them within the 15 day time limit but my insurance claim was refused because they had not told me to have an inspector come out and look at the bike. They asked why I hadn't noted the damaged when I signed for the bike, I explained that the bike was encased in a huge, rusted metal frame that had to be dismantled . Why didn't they tell me to request someone come out and look at the damage when I talked to them on the phone repeatedly while getting my paperwork together for the insurance claim? When I complained about their horrible customer service they told me I could sue them for the money. Are you kidding? What kind of response is that? If I said that to a customer at my job I'd be fired! I still haven't gotten a dime from them and it's been almost six months!!!!!! If the item that you're purchasing is insured by ODFL DO NOT BUY IT!!! If it comes damaged they will fight you tooth and nail over every penny!