It's already happening in US: https://www.npr.org/sections/coronavirus-live-updates/2020/04/06/828187071/some-auto-insurers-are-sending-refunds-to-customers-as

It's already happening in US: https://www.npr.org/sections/coronavirus-live-updates/2020/04/06/828187071/some-auto-insurers-are-sending-refunds-to-customers-as-crash-rate-falls https://www.npr.org/sections/coronavirus-live-updates/2020/0... Also in France one big insurer started paying people back, with government asking the other companies to do the same. https://www.lemonde.fr/economie/article/2020/04/02/coronavirus-les-accidents-de-la-route-sont-en-forte-baisse-la-maif-rend-100-millions-d-euros-a-ses-assures_6035337_3234.html https://www.lemonde.fr/economie/article/2020/04/02/coronavir...