> Usually they’ll force sign you up for some captive insurance company or insurance of last resort, This has been my experience when the lender screws up and f

> Usually they’ll force sign you up for some captive insurance company or insurance of last resort, This has been my experience when the lender screws up and fails to accurately record the insurance information. Then, near the expiration date, when they check, and find nothing, one gets a nasty-gram in the mail berating one for failing to maintain insurance, and indicating that if they don't get proof of insurance within 15 days of the date on the letter (of which at least five days has usually already lapsed), they will apply their own insurance, to the tune of 4x the cost of the actual insurance that is still valid and active.