That seems kinda crazy. They have no idea if im riding it or if it has been burned to the ground to be able to judge if its been devalued or not since discharge as they havent seen it in 4 years since it was new & i havent gotten so much as my last bill back in June. An ATV doesnt have a title or anything in GA thats the only reason i was concerned since it was purchased on a credit card if they could even consider it secure.