Read your policy and see what it says.
So we're essentially talking about your car, here, even if it is owned through your dealership.
You either were insured or you weren't. Presumably you gave your correct insurance information to the police after the accident, as well as to the insurance company that contacted you about the damage to her car, as well as following the requirements of your policy in terms of making a timely report of any accidents to them. How is your insurance agent being "completely uncompetitive"?Quoting gamebrigada

