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As we all know, the world has been locked down due to the coronavirus, and most places have put stay-at-home/shelter-in-place or similar orders in force. This has naturally reduced traffic in many areas significantly, depending on the nature of the orders. In an effort to assist insureds, many carriers have reduced premiums, issued refunds, or taken other measures to give insureds leeway because of the significant reduction in usage of vehicles, both personal and commercial. The assumption is that with everyone staying home, accidents naturally are fewer. In actuality, it’s more complicated.

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