OMART INSURANCE (old mutual) pathetic service

Omart a subsidiary of Old Mutual has been so pathetic with their communication of cell phone insurance. Their team leaders never call you back. Was involved in an accident on the 9 June. Phone was damaged. Access amount paid. paid too much waiting for refund. Still don't have a phone. No one calls you back and communicates. Whilst dealing with fractured ribs I must must deal with *********** agents who desperately needs customer relations training on how to communiacte. Its been a month with NO PHONE. How do we have these companies operate with no audits been done on their services. OMART gets a big 0 from me