I bought a car in Feb of 2011 to replace my old car on my insurance policy. I paid cash. I thought I called my agent to inform them so they could make the change to the policy but neither them nor I have any record of that. I continued to pay premiums on the old vehicle until I hit another car and my company denied the claim because they said the vehicle I bought was not on the policy. What have I been paying for? Do I have any recourse?