Associates Underwriting review: They refused my claim

I was completely denied my claim, after having bought a 2003 VW Jetta, and having the fuse block go out on it. Didn't notice anything really dramatically different, until March 2015. That's right less than two months of having the vehicle. until the vehicles thermostat went out and caused a hose to leak. When I took it to a mechanic in Morrison Colorado, AUL Insurance flat out denied my claim and told me NO, that they wouldn't fix the problem that it was caused by the electrical problem and that wasn't covered by their insurance. I agreed to pay for the fuse block and asked them to pay for the thermostat and hose which was over $900.00 to fix. They refused! Why in the heck did I pay $1700.00 for that "Special" insurance when they wouldn't even try to pay for such damage? VERY UNHAPPY!