In my 51 years as an agent I find people always will blame someone else, usually the agent. If there is a loss they will say they didn't get a cancellation notice etc. I got sued years ago because an insured came in the office to insure a mobile home but didn't have the description, or serial number. My CSR gave her the application and highlighted in yellow the information needed in order to bind coverage. The insured paid the down payment of $89.00 and said she would bring the information to bind coverage. The insured never brought the app in and three weeks later her dad called me on a Friday afternoon at 4:45 and said the home had just burnt to the ground. I couldn't find an app or file so I told him it would be monday morning before I could get something done. When my CSR came in monday morning I told her she better have a file and app on this insured. CSR said sure here is a copy od the app, but the insured has never brought in the info. I was sued and my e&o carrier hired an attorney to represent me. After a day long deposition from everyone involved I waited for the outcome. A week later my attorney called and said the other attorney was withdrawing the suit. I was afraid that accepting the down payment would be a problem but my attorney said in Georgia accepting the down payment doesn't bind the risk if you don't have the info you need. My attorney charged my e&o carrier $7,000 to prove I wasn't negligent. I say all of this to say it's usually the problem customer that will try to blame you are when they won't cooperate it's better to get rid of them.