Then I would expect those things to be covered as the payments are adjusted. You need to understand, the big claims/liability and the overall majority of claims are due to collisions on the highways. Probably 95 percent of your payment/coverage is for on the road liability/damage/injury. Not vandalism or wind while your car is parked on your property.
Just looked at my recent auto policy renewal and the liability/collision part is about 82% of the total, but I get your point. To your original point, how would you prove that you aren’t driving during the “policy/premium reduction period”? I don’t like those “drive safe & save” tracking devices the insurance companies are using nowadays. My state/county/city treats the “lockdown” as a suggestion with lots of exceptions for shopping, exercise, walking the dog, going out to take care of elderly relatives, etc.. In fact I am just about to drive 3 hours one-way to check on my elderly Mom.
“Then I would expect those things to be covered as the payments are adjusted. You need to understand, the big claims/liability and the overall majority of claims are due to collisions on the highways. Probably 95 percent of your payment/coverage is for on the road liability/damage/injury. Not vandalism or wind while your car is parked on your property.”
I am intimately familiar with loss types as a percentage of overall losses. I was in collision repair management and vehicle insurance claims management over multiple states for 40+ years. If you want your collision and liability premiums to be based on miles driven, there are companies that structure their fees on that basis, but be prepared to pay considerably more when your driving returns to normal (assuming your mileage is “normal”). Your current carrier probably offers lower premiums if your annual average mileage is below a certain figure (for example, 7500 miles), but they’re not going to adjust your premiums because of a short-term decrease.