It depends what you mean by "I somehow without knowing took comprehensive and collision off my policy." If by that you mean that the insurance agent took this coverage off without you instructing them to do so, then you could sue them not only for not notifying you of the chane, but for making a change against your wishes in the first place.However, if you mean that *you* accidently filled out the form, etc. in such a way as to take off or delete this coverage, then, you most likely do *not* have a valid or viable claim: 1) the agent did what you instructed them to do; 2) even if they should have told the lienholder (and you'd have to prove it was the agent's job, or legal responsibility, to do so, and not your job or the insurance company's job), the real harm was done not by them failing to notify, but by you making the change, even if you didn't fully realize or appreciate what you were doing; and 3) they would be under no obligation to inform or notify you, since they could legally presume that you were aware of what you did. Moreoever, you should have reviewed the renewed policy and any bills/invoices, which would have told you what had happened and given you a chance to fix it--doing so was your legal responsibility, and no one else's. So if you instructed, even incorrectly, the agent to remove the coverage, it is most likely that the responsibility and any consequences are yours, not theirs.