Changed insurance policy

I joined the insurance and i thought all was well until yesterday when i hit a curb and damaged my car. I called the insurance but was informed that i am not covered for insurance. I was informed that i must that i must call in and upgrade. I took a comprehensive policy with the hope that they will help but now i have to sort out my car my car myself while i have an insurance. Is this another money *********** organization or someone is taking advantage. I believe it is time i look for a new insurance.