Consumer groups analyzing auto insurance company performance for 2020 concluded that auto insurance companies made billions of dollars in excess profits as a result of reduced driving and accidents during the lockdowns. The groups' analysis shows that these auto insurance companies owe billions of dollars back to consumers. The excess profits, more than $30 billion worth, resulted from $42 billion collected in excess premiums while the same auto insurance companies only refunded $13 billion. What people don't realize is that most states have laws against insurance companies charging excess amounts. In this instance because driving was way down, state law requires insurance companies to adjust premiums and refund excess premiums. Unfortunately, in Florida we have a very weak and corrupt state government with hand selected regulators that are unwilling to enforce the laws on the books if it means their insurance company maters don't get everything they want. Florida is in the top 3 of states where auto insurance companies charged excess premiums and Floridians are now owed more than $2 billion in refunds that they will probably never see. Insurance companies continue to reap record profits in Florida while simultaneously dropping consumers homeowner's insurance policies. You can lower taxes all you want but allowing private companies to excessively charge customers while ignoring laws that prevent such charges is a worse result for every day consumers than simply paying more in taxes.