<prompt> Human: My car broke down, the engine wont turn over at all so Ive been ubering all over the place. I called insurance today and asked why they hadnt charged me for the past two months and they said they dont know but they are going to charge me 400 a month from the previous 116 a month to make up for the charges. They also want 275 to tow my car to the mechanic. Any help on the situation?  <response>: If you didnt pay it then you owe it 