A school bus drives down a street on the first day of school reopening on December 7, 2020 in the Brooklyn borough of New York City.

ANGELA WEISS/AFP via Getty Images

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ANGELA WEISS/AFP via Getty Images

A school bus drives down a street on the first day of school reopening on December 7, 2020 in the Brooklyn borough of New York City.

ANGELA WEISS/AFP via Getty Images

If you had auto insurance during the pandemic, you may have received a refund from your insurance company.

According to two consumer groups, you got shortchanged.

The Consumer Federation