Moments of crisis are clarifying. In the first months of the pandemic, most of us, understanding we were all in this together, did our part — sheltering in place and following other public health recommendations. But some companies, including car insurers, took the opportunity to profit at others’ expense.
When so many of us stopped commuting during the first year of the pandemic, the risks of driving plummeted; fewer cars on the road and fewer miles driven meant fewer car crashes and fewer insurance claims filed. But car insurance rates did not go down in proportion.
