While business as usual has nearly stood still over the past couple months, folks were driving less and getting into fewer accidents. Michigan, along with Illinois, New Jersey, and other states have told insurance companies they need to refund overages in car insurance premiums paid during the pandemic. The companies have until June 10th to come up with a plan. At the same time, the state is on the cusp of big changes to our unique, no-fault law. To sort through everything you need to know about your auto insurance bill, Stateside talked to Chad Livengood, senior editor at Crain’s Detroit Business.