Farm Bureau drafts my account monthly for my insurance premium. I did not know that I needed to pay a $25 membership fee from last year. I went into the office over the summer and they said nothing to me about the $25. On Sep 1st of this year, Farm Bureau dropped my collision On Sep 1st of this year but I was not notified. I was in a wreck on Oct 20th and totalled my car. Farm Bureau has denied my claim because I did not have collision. The accident was my fault. Is there anything I can do???