The Co-operators Perth, Ontario. Goes after low-income, single mothers with hidden, unexplained fees 2 wks before Xmas Perth Ontario

I lost all my income, had to move in with a friend and explained my situation to my car insurance company, as I could no longer afford to keep my car.

Instead of working with me, they demand large, unreasonable fees they won't explain and know I can't afford.
I've never missed a payment, been late, had a claim, been in an accident, ect.

This was my first car and the only insurance company I've ever dealt with. They're rude, unreasonable and demanding without explanation. It's 2 weeks before Christmas and now I not only have to sell my car, but see if I can sell it in time to prevent them charging me 'service fees' for not having all the money they want. (My insurance, at most, was $102.32, the average payment is $97.44.. now they want either $206.78 or $344.34 though they won't explain why or why I wasn't told about said fees previously.

They take their payments directly from my account and won't let me stop the one in January even though I've told them repeatedly that I don't have anything.. not even enough to buy food for Christmas.

Without my car I cannot take my war veteran boyfriend to his medical appointments, nor will I be able to fight for access to my daughter in family court -- a major loss that they are trying to make me PAY for!?

Living without the car and losing everything that I will without the car.. I see no reason I should have to pay their fees when I was never told about them prior. They had time before I had to move to notify me that this would happen, I have asked them to explain, they won't.. I would be living in my car if I could keep it on the road and it wasn't winter in Canada, but as is.. it's too cold and I wouldn't have had an address for them to send me paperwork, ect.

The lady I deal with said, "Well unfortunately we are going to have to rerate your policy and will increase your rates substantially as previous discussed.  I will work on your file and adjust your monthly payment accordingly."  -- This was NEVER discussed with me.. I was blindsided by it two weeks before Christmas, like it wasn't stressful enough. I keep asking for an explaination and have yet to get one.

I thought insurance was to insure against loss, damages, ect.. not to create a major loss for me and harass me about money I don't have even though I was trying to work with them.