What is the Private Passenger Automobile Giveback Program?
19 August 2025

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Good morning,


I hope this update finds you and your family in good health.


As we continue to move through these unprecedented times, our job as your insurance agents continues to evolve as well. Please know that, like you, this is new to us. Before we share information, I want to make sure my team and I have a complete understanding so we may answer your questions accordingly.


Beginning this week, our agency received guidance from a few of our carrier partners about private passenger automobile giveback programs. In short, some insurance companies communicated that they would be refunding their clients a percentage of policy premiums due to lower usage of autos – and rightfully so. From the releases I’ve read thus far, the refunds are a percentage of one or two month’s premiums, and the insurance companies will send them directly to the policyholder.


Last evening, I started to build a webpage detailing each carrier’s plans. I intend to complete the initial page by tomorrow and will share the link with you once it’s ready. Please note, the webpage will evolve as we receive additional information from carriers about their giveback programs. As to not burden you with an email each time I update the page, I ask you to please bookmark the page and revisit it often.


Please expect one additional email from me this week once I complete the webpage. If you are not on our email list, we encourage you to like our Facebook page and adjust the settings to “see first” for ongoing updates.


Step 1:

Step 2:

Thank you for your time and patience as we work diligently to support you and communicate real-time updates. Don’t hesitate to reach me with your questions or comments.


All the best,


Mike

By: Michael Fusco

CEO & Principal of Fusco Orsini & Associates

(858) 384‑1506

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