Thanks for your question and good morning.You may well try for a refund here.You certainly have a great case against the agent for his failure to act.
Most agents carry errors and omissions type insurance for just such claims.You will need a local lawyer to send a demand letter here for all your damages/lost premiums including lawyer fees and costs.Often then the insurance coverage kicks in and they would pay the claim.
This is certainly worth pursuing on your part here.The amount of the damages depends on the amount of refund you get.Either way you certainly have a great set of facts to pursue this against the agent involved who was negligent.
I would certainly consider getting a lawyer here to pursue the agent and his liability for his actions and inactions.You can do this while seeing if any refund is forthcoming.
Here is ABA lawyer referral for NJ..
You want a lawyer that does insurance agent litigation here.
Honestly your best chance here is against the agent.I would hope you get at least a partial refund but in this istuation the liability and your recovery is likely against the agent and his insurance coverage.
And again you would sek all your damages here including legal fees, costs, etc as well.
Excellent. Thank you so much.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).