In Carr v. Peerless Ins. Co., 168 Vt. 465, 724 A.2d 454 (Vt. 1998), the court reasoned that there was nothing in the statutory scheme making the insurer responsible for the improper action of the premium finance company, the insurer was not a party to the premium finance agreement, and there was no supervisory or monitoring relationship between the insurer and the premium finance company. See id. at 458. The court concluded that "any wrong here was committed by the premium finance company, and it is therefore the party to whom the insured should turn for recovery." See id. at 459.