Auto insurance companies and agents may have sent customers cards, fridge magnets, or calendars as part of their holiday cheer. But tens of millions of motorists may wish to demand more — both much more, and less.

Consumer advocates say the coronavirus pandemic has curtailed driving and claims for wrecks enough still that auto insurers — who are raking in big profits — need in the new year to fork over more refunds or premium reductions, the New York Times reported.

The newspaper reported that advocacy organizations like the Consumer Federation of America and the Center for Economic Justice, have investigated and “found that car crashes remained ‘well below’ 2019 levels”: