I think that you already know that you can not be held responsible for a contract that you did not enter in to freely.  So here is what I would do: notify the bank immediately that there is a party claiming to have the authority to debit your account and that you have not authorized the debit.  You may want to consider closing the present account and opening a new one.  Next, write a letter to the insurance company and send it by certified mail and request a copy of the original contract and all the supporting paperwork with you signature on it.  Next, contact the Department of Insurance in your state and advise them of what is going on.  They take these type of complaints very seriously.  You need damages to file suit.  Good luck.