FILE - In this March 20, 2020, file photo, extremely light traffic moves in the mid-afternoon along the 110 Harbor Freeway toward downtown Los Angeles. Auto insurers are short-changing California motorists on refunds that were ordered last year because there have been far fewer motor vehicle accidents during the pandemic, the state's insurance regulator said Thursday, March 11, 2021. (AP Photo/Mark J. Terrill, File)
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