The case involved plaintiffs Kimberly Williams, Nicholas Jenkins, and Felita Wright. Williams and Wright were former GoAuto insureds, while Jenkins was involved in an accident with a GoAuto-insured driver. All relevant policies had been financed through American Premium Assistance Company, LLC (APAC), which paid GoAuto the full premium and collected monthly payments from the insureds. The finance agreements authorized APAC, through a power of attorney, to cancel the policies if payments were missed.