Why cant accounts be frozen

I would like to know why there isn't a freeze period in the event that there is a total loss to an asset. I was involved in an accident last year and my vehicle was written off. The insurance took months to investigate the incident and my account was continuously being debited. If the payment /account was frozen for the investigation period, the amount owed would not change so the bank wont be loosing out as the owner would still be liable for the payment.I suffered a great loss as a result of this.