AMA Auto Insurance Reviews

I've been with AMA for 3 years and have never had a claim. My new car 7000 km on it caught fire outside my house it's on camera and I've provided fire investigators and AMA with photos.
Ama authorized a rental because I've got full coverage including loss of use well two days after authorizing it the claims officer decided that I'm not intitiled to a rental because fires don't happen everyday so to her it's suspicious ( foul play was ruled out by the fire dept when they reviewed camera and reviewed car ) I argued and was told by her supervisor if I can afford a new car I can afford my own rental.
Now they are supposed to be doing an investigation and the cars been sitting outside my house burnt for three days, I'm not an investigator but wouldn't a scene be contaminated after that period of time ?
My biggest thing is from the moment I called ama they made me feel like I did something wrong, they took away the rental that I've been paying for years for just in case and told me to pay for my own I even had the insurance manager go to claims saying I'm covered and they still said I'm not getting one until they do their investigation. All I can say is I feel horrible for recommending AMA to friends and family and if you are thinking about ama please don't do it they are a huge corporation who does what they want policy doesn't matter signed documents are ignored ama was fantastic until I actually needed them.
Thank you
Kevin S., Edmonton Alberta