If you suffer any losses due to someone else's (like the insurance agent or broker) negligent (careless) or intentionally wrongful act, you can sue the at-fault person(s) to recover your loss. So if money was taken from you without being used to pay for insurance, you can sue to get that money back. If you can show that you end up paying more for insurance now because of how you had to buy it than you should have, you can potentially recover that additional cost. Etc. So once you identify the costs or losses you have incurred, you can sue anyone who may be liable for your loss to recover compensation.