Insurance in hell

<p>On the 1st of October 2016 i left my house to Bellville for a parkrun. After the run i went to my car as I was going to leave I wanted to make a call then i realised that my phone was not with me. I thought i left my phone inside the car but when i checked the car the phone was not there. </p> <p>When i get to my house I looked for the phone but it was not at home, so that is when i realised that i lost the phone. I went to the police station to report the lost phone. After that my husband took the affidavit and insurance papers to Markhams in Zewenwacht because he bought the phone in his American swiss account.</p> <p>After three weeks with no response from the insurance, he went to Markhams and the lady named Rochelle told him that the insurance declined the claim as it was my fault to leave the phone inside the car. What i do not understand is my affidavit also state that i do not know where i lost the phone and when i got to my car, there was no sign of a break in but the insurance is saying that i left it in my car. He phoned the insurance and the guy told him that it was due to my carelessness that i lost the phone, then he asked the insurance representative who told him that i left the phone in my car because that was not the case. Then the insurance representative told my husband that he is going to speak with his boss then get back to him.</p> <p>It's been a month now that my husband spoke with the insurance representative and there is still no response from them.</p> <p> </p> <p> </p> <p> </p>