If the agent "messed up", either by not notifing the secured intrest party, or cancelling the policy without an authorized approval, than it gets messy. An investigation ensues, and a claim might be filed against the agent under their "Errors and Omissions" policy that ALL agents are required to carry.

Expect things to get messy....very messy. After I filed a claim that went to errors and ommisions, I had to find a new agent, this was after my agent cussed me out and asked me to leave his office. They don't like E & O Claims....

Charles