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Who do auto insurance companies answer to?

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who do auto insurance companies answer to? Auto insurance is a state requirement, but if an Auto insurance company makes a mistake of some sort who are they responsible to? everyone answers to someone…
back in May we dropped one insurance and went to another one… we had 2 cars one on each policy.. and it just made sense to switch… the company we were dropping would not drop us until we faxed them the new insurance policy card and we did .. what we never noticed was the date on the new card was WRONG.. Now we have to pay for a lapse of 44 days because of their mis print…I think THEY should "pay" for thier computer glitch!

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