Isn't that how contracts work? If you cancel a contract on your end, then you have to pay the ETF you agreed to pay in that case? Then, if you don't pay, wouldn't Verizon send you notices, then after failed attempts at collecting payment on their end wouldn't they refer your case to a collections agency? And after that, it's on the CA to make the money and Verizon report to credit bureaus. Plus, wouldn't you notice the insurance isn't in the monthly bill amount and wasn't included in the agreement or on the receipt?