Why should we have insurance if they always have excuses to pay?

<p>The old saying goes . . . "Fool me once shame on you, Fool me twice shame on me!"</p> <p> </p> <p>So I guess I am a fool then. The first time I was with Mutual & Federal they didn't want to pay for my cars engine damage. Now my cellphone got ****** and once again it is my fault that their broker did not specify I should have specified my cellphone. 4 Months after I became a client I realize they never even send me the policy schedule, I don't even have a policy nr. They should have done some kind of compliance thing(what and why I don't know) but they never did. If they don't do thier job properly why should we suffer the consequinces.</p>