Mary paid the premium for her personal auto policy to her insurance agent. Her agent did not forward the premium to the insurance company. Instead he paid off personal gambling debt. This happened in a state that has a statute stipulating that insurance agents are agents of the insurer and not of the insured. The insurer did not receive Mary’s premium and it did not issue a personal auto policy for her. When she has an accident that otherwise would have been covered had the policy been issued, what will the insurer do?