My parents were also with me and know I said "just liability". I also got screwed paying a year of renters insurance when I was living with my parents. They offered $300 to forgive and forget when I paid over $1300 more than I ever should have to then. My brother also was getting charged for 2 cars when he canceled one of them a year ago. He called about to and they said that he wasn't paying for it but it would show up on his billing statement.