Very sad my experience with the Mutual, after a ye...

Very sad my experience with the Mutual, after a year of insurance against all risks with my newly released car and does not cover a tire against a curb, which cracked the tire (with 5000km alone). The penalty recourse service is also painful, for which you must be insured at the time of the offense (understandable) and at the time of the appeal (no longer so clear). Bad experience and dark operation.