I am not an attorney, but am a claims adjuster.(In California). This sort of thing actually happens fairly often. Have you contacted your Agent? What did he/she say? Your Agent will need to contact your insurance carrier and advise them of his mistake. As an adjuster (and formerly an underwriter), it appears that this is a very obvious mistake on your Agent's part. If your car is financed, you must have full coverage, or yes, your lienholder can add "VSI" (vendor secured insurance) and charge you an exhorbitant amount for this. It is usually about 10 times what you would pay through your regular insurance company. Your insurance carrier will probably review this error as a "coverage question" and determine whether they will cover your loss. They will want to take a statement from your agent, as well as from you. Your insurance, should they decide to cover this loss, will add the comp and collision coverage back to the date you added this vehicle and charge you the appropriate premium. They will also notify your lienholder that your coverage was in place all the way back to that date, which should cancel out any VSI that you may be charged from the lienholder. I'm not sure about the laws in your state, but right is right. If your insurance carrier does not offer to investigate this cover issue for you, demand that they do so. If necessary, contact your State Dept. of Insurance to assist you. I doubt you will have to go that far.