Hey guys, new here but not to the ATV scene. I am trying to see if anyone has ran into this issue before. My BIL bought a XMR1000 in 2016 and the final payment was just made. Once payment was made he was notified that he still owed $4000 or so due to not carrying insurance over the span of the loan and that it is in the contract that the finance company will cover it. He says he was not made aware at anytime that he was to pay this until now that it is paid off. I bought a 2016 Kodiak 700 and paid it off last year with no insurance the whole time and was mailed my title and release, although with different financial institutions. Not saying it's not owed just that we have never ran into this before and want to see if this is normal or an error or confusion somewhere. I am waiting to hear from him on what's in the contract but curious in the mean time. Thanks!