“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.
They build these glass tower hi-rises for their corporate headquarters and they're secure them like fortresses. Funny, they must understand how many people they've pissed off, denied claims and robbed. Why do you think most people literally need a lawyer, or should have one, just to understand their contracts? From my perspective, it's obscene.
And I believe this is the same carrier who openly promotes homosexuals in their commercials. Nice huh?