Due to stay-at-home orders implemented around the world, malls, businesses, schools, universities, and more have temporarily closed or reduced operations. This has significantly reduced economic activity. Additionally, it has reduced the number of people driving. With less people on the roads, the number of accidents occurring has significantly decreased, resulting in drastically reduced risks to insurance companies. The University of California released a report stating that since the implementation of the stay-at-home orders in late March, the number of accidents has reduced by more than 50% . In California specifically, traffic volume has decreased by 55%. As a result, the monies insurance companies must pay out in claims has significantly decreased. However, despite the reduction in risks, insurance companies are still collecting monthly premiums from their policyholders, whose insurance now covers cars that are not being driven and accidents that are much less likely to occur.