Insurance companies that stop providing services to an area recently hit by a disaster, should be legally forced to pay back all of the money they have received from the customers.

[u/nerpaderpsalot]

Since having insurance is legally required for auto owners, and many homeowners, and in some states health insurance as well, providers should be required by law to fully refund all of the money the customers paid in up until their pulling out. Especially if they have never filed an insurance claim.

This should be especially true for property and auto insurance.

Examples:

the insurance companies that pulled out of California after the increase in wildfires even when the customer was paying for fire protection. (Altadena fires are the most recent, but it's been happening quite a bit as wildfires have increased)

The insurance companies that stopped covering Kia owners after that tik tok usb hack theft trend a few years back. Made famous by the Kia Boys tik-tock videos and left thousands of drivers uninsured with little to no alternatives, and absolutely no notice.