Any person, premium finance company, or other legal entity who or which knowingly takes, receives, reserves, or charges a premium finance charge other than that authorized by this chapter shall forfeit the entire premium finance charge to which such person, premium finance company, or legal entity would otherwise be entitled; and any person who has paid such unlawful finance charge may personally or by his legal or personal representative, by suit for recovery thereof, recover from such person, premium finance company, or legal entity, twice the entire amount of the premium finance charge paid.