Many of the insurance companies we work with have applied to the Division of Insurance (DOI) to provide some level of premium credit/refund on most personal auto insurance policies due to reduced vehicle use during the COVID-19 stay-at-home timeframe. Each company is handling the situation slightly differently and has varied guidelines. Policy holders should receive more details from directly from their insurance carrier once credits/rebates are approved by the DOI. Also, most insurance companies have communicated that they recognize some insureds are facing financial difficulties. The companies are willing to provide some flexibility on premium payment terms. If you are having finnancial challenges and need assistance regarding payments or have questions about premium credits, you may contact the insurance company directly and/or contact a Murphy Insurance Agency representative.