>>4152051 LB
This isn't self help Anon but….
Find a new insurer, in advance and switch to them.
Talk to your neighbor, he does not have that legal right.
Talk to your bank in advance and explain the situation. Give them the account and transfer number from your "missing" account and have THEM try to draw the payment from there.
Steer wide of assholes walking on the road in winter. Keep your doors locked and drive real slow when passing, then speed up.
Everything here is calm and serene.
Sorry for wasting even MORE bread.