The case concerned the insurance policy of a Mercedes. In June 2013, Waqar Zaidi requested that his broker, Routh Chovaz, change the coverage he had arranged with Jevco from the 2008 Mercedes Benz CL-320 to the 2010 Mercedes Benz CL-350 he had recently purchased. Routh Chovaz received the request and issued a new motor vehicle liability slip to Mr. Zaidi but did not confirm the change with Jevco.