Honda ATV stolen with no insurance. Honda wants payment in full. Help?!

I bought a 2015 Honda ATV 3 months ago and it was stolen. I was looking into insurance to get for it but did not purchase one yet. I called the police and Honda the day it was stolen and Honda told me to keep paying the payments and maybe after a few months if it wasn't found they could lower the payments. Not even a month later I get a letter in the mail from Honda stating I have 30 days to pay the full amount of 6,000 or it will be sent to collections. I don't know what to do. I need advice!

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