How far Mutual & Federal would go to reject claim

I took car insurance policy with Galileo Risk, a broker to Mutual and federal. I had a car accident within 3 months. I provided all the information needed to log a claim but to my surprise Galileo Risk agent Stezron Moses told me that a second assessor/investigator Werner Eksteeen from Mutual and Federal has to be sent to me to provide him with details of the claim. I said to Stezron that the contract policy that I signed with Galileo Risk nowhere does it stipulate that If claim occurs within 3 months, a second assessor will be sent and I will be investigated. He did acknowledge that its not in the contract I signed, they withhold that information from the clients. His manager called me and told me the same thing. They are dishonest to clients. Today Werner came and asked me questions again about the claim/accident. He even asked me whether I have judgements or debt review. I asked him what does that had to do with the claim. He couldnt give me a clear answer. Its just shows how Mutual and federal and Galileo Risk would go to find something to reject a claim. I am now awaiting response from M&F whether they would settle my claim. We all know what the result would be. Dissapoint