Nah, my Charger was stolen from a hospital when I broke my leg back in 2015 and I still owe 14,000$ on it.So they put you on cheksystems?
My insurance had lapsed because I was in the hospital for 14 days, I had no idea my car was gone until I got out the hospital and went into the parking structure.

they just being greedy cause they lost 1 revenue stream
well pass the time to toss capitalism in the bushes
Which checking account do you have? Because they don't charge $15 for any of their accounts (I have a Wells Fargo account) There's a $10 monthly charge on one of the checking accounts if you don't have a minimum of $500 a month coming in via direct deposit.. which isn't a horrible requirement.