I believe that when Wells Fargo reposed my car for non- insurance, when at the time it was very clear that as a single mom of ones budget is already allocated. So when you pay your car note of $446.00, and $250 is used for insurance that you do not need. Well you know what it does. See my complaint with California Attorney General Public Inquiry Unit( PIU) #131090 more that 500pages & Consumer Affairs Los Angeles DR-07-0892