The Effects of COVID-19 on Our Insurance Business

We don't know how significant there will be more uninsured motorist driving. And they cause a disproportionate amount of accidents. So there's a lot of variables. We've made our best guess as to what we're going to do to reflect the current reduced accidents in our premiums that we receive really over the next year. It applies for a six-month-on renewals, but that we'll be renewing policies in October that will extend it in the next April. But who knows what comes out of it in terms of litigation. Just the cost of defending litigation is a enormous expense,. Many policies would not have a claim for business interruption under a commercial multiple peril policy where you've elected