Bogus Insurers

So i took my vehicle last year for service and was told on the line that my last service would be at 134K, im only getting to 134k now and now im being told that the service plan expired in June, no notification nothing from so called Insurer. Im told the onus is upon me to read the contract, we is the onus of customer service, where is the onus of the having information kept on the system on what yall tell your clients. the vehicle is at 134k now and i need to have it serviced, you telling me i need to take it to the Dealer and the Dealer must out through the claim, who is going to pay for that is the claim is rejected??????