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An auto insurer that proactively uses telematics technology to facilitate a usage-based insurance (UBI) program might not have charged the additional premium dollars in the first place that many traditional insurers ended up refunding during the COVID-19 shutdown. (Shutterstock) An auto insurer that proactively uses telematics technology to facilitate a usage-based insurance (UBI) program might not have charged the additional premium dollars in the first place that many traditional insurers ended up refunding during the COVID-19 shutdown. (Shutterstock)

Since the beginning of the global pandemic caused by an outbreak of the novel coronavirus/COVID-19 pathogen, government-mandated or self-imposed shutdowns and shelter-in-place practices have become prevalent. This has, quite naturally, caused a dramatic shift in driving behaviors as people and organizations adapt to new employment statuses, including essential workers, work-from-home (WFH), or even unemployed.

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