The "stupidity' narrative was something that CNN/MSNBC was spewing all week on the fake news channels so I'm not surprised it finally made it north. Regarding your question, insurance companies will use any and all means to increase premiums because they are all blood sucking profit making pieces of shit.I do not know how it works in the US, but I am guessing premiums will go up as a whole due to Covid ? And even more because of stupidity.