spoke to my broker. the following is why we need to go through brokers.
First of all the engine damage is prior damage, so they won't pay for that
2nd it is at fault as there is nobody else to blame
last and most important they can't drop you because they don't like you. They also can't make you sign away your rights as these are not insurance forms. Insurance is very regulated in Ontario, everything is form based. Even if you off roading your insurance applies. My ins will go up due to one at fault claim.