Da Lin and Daniel Schwarcz call for car insurance rate cuts while driving is down so much

Da Lin and Daniel Schwarcz have written an op-ed, States Must Act To Cut Auto Insurance Rates During COVID-19 for Law360 (free access during the pandemic). They explain "Auto insurers are experiencing a massive windfall as a result of the coronavirus, but they are not returning a fair portion of those gains to consumers. And if they continue to do business as usual, they will disproportionately harm those who can afford it the least. State insurance regulators must use their authority to right these wrongs."