i had the same problem as you two years ago. Because i did not tell them i changed the agent, they tell me i should pay for it. i paied it, but it was not very much, about $90. It is very expensive to buy auto insurrance in ING. In another canpany, i just paied a half. I think if you don't have strong evidence, just pay it, and forget it quickly. Don't keep in this bad emotion.