Allstate Insurance

Hi I sign up with allstat insurance when I sign up they told me I have claim for givens and suppose to be all the call record it that what it say when you call allstat but know we have accident they say oh you don't have the claim for givens they promise me but know they charge it and they put my husband car under my name and my car under my husband neam so when we have accident all our insurance goes up it's a tricky way we didn't know until we have accident