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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.
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