Texas House of Representatives amamva ufulu wowunika nkhawa

Kufunika kwa omwe ali ndi inshuwaransi yamagalimoto kuti athe kuyitanitsa ufulu wawo wowerengera mtengo komanso nkhawa za kulipidwa komanso chitetezo chagalimoto zidaperekedwa kwa opanga malamulo aku Texas sabata yatha pamsonkhano wapagulu wa House Insurance Committee.

Inshuwaransi yambiri yamagalimoto imaphatikizapo ndime yowunikira yomwe imalola eni ake kuti awayitanire kuti awonedwe ndi gulu lachitatu ngati sakugwirizana ndi zomwe wonyamulira amayesa galimoto yawo. Mavoti otsika nthawi zambiri amabweretsa kutayika kwathunthu kwa magalimoto omwe akanatha kukonzedwa. Onse wonyamulira ndi wogwirizira amalemba ganyu wowerengera wodziyimira pawokha ndipo ngati owerengera sakuvomereza, woweruza amasankhidwa kuti apange chisankho chomaliza.

Melissa Hamilton, phungu wamkulu ku Texas Office of the General Insurance Council (OPIC), adafotokozera komitiyo kuti chigamulochi chinali chovomerezeka kwa zaka zambiri pamikangano ya inshuwalansi ya galimoto mpaka 2014 pamene inshuwaransi yaikulu, yosatchulidwa dzina inapempha chilolezo kuchokera ku bungwe. Dipatimenti ya Inshuwalansi.Ku Texas (TDI) kuchotsa ndimeyi ku ndondomeko zake. Chivomerezocho chinaperekedwa mu 2015. Mmodzi yekha wa inshuwalansi, yemwenso sanatchulidwe, adapempha chilolezo chochotsa ndimeyi kuyambira, mu 2021, yomwe OPIC inatsutsa ndi TDI. Iye adati pempho la kampani ya inshuwaransi idakanidwa mu Julayi chifukwa chosayankha mafunso a TDI.

M’zaka zingapo zapitazi, pakhala “kukangana uku kukukulirakulira pakati pa ma inshuwaransi ndi mashopu ogulitsa, ndipo pamtima pa zonsezi, zimatengera chiyani, zingati, kuti galimoto ikhale yabwino? Kodi kukonza galimoto kumawononga ndalama zingati? ? Uko si kulunjika,” anatero Hamilton. “Ndikuganiza moona mtima kuti mbali zonse ziwiri, makampani a inshuwaransi ndi masitolo ogulitsa, ali ndi nkhawa komanso mfundo zomveka.”

Ananenanso kuti kuwunika kumawononga ndalama kwa onse omwe ali ndi ma policy ndi inshuwaransi ndipo kumatenga nthawi koma akadali njira yabwino yomwe imalimbikitsa masitolo ndi onyamula kuti akambirane. OPIC idapeza mu kafukufuku wake kuti ngati gawo lowunika silinali mundondomeko yake, ogula amayenera kupita kukhoti koma milandu yawo nthawi zambiri sinaphatikizepo ndalama zokwanira kuti amilandu atengere milandu yawo, malinga ndi Hamilton.

Hamilton adanenanso kuti ufulu woyesa ndi gawo limodzi chabe la chitumbuwacho pomwe vuto lalikulu ndizomwe zimafunika kukonza bwino ndi kukonza galimoto kuchokera ku magawo a OEM motsutsana ndi magawo ofanana ndi abwino komanso ntchito yamashopu omwe amakonda kwambiri motsutsana ndi mashopu odziyimira pawokha.

Wapampando wa komiti Dr. Tom Oliverson (R-District 130) adati akuwona mwayi wochita kafukufuku wazaka pafupifupi zisanu ndi zitatu kuchokera ku kampani ya inshuwaransi yomwe yachotsa zofunikira zake zowunika.

John Schnautz, wa National Association of Mutual Inshuwalansi (NAMIC), adati wonyamulira yemwe adachotsa ufulu wowerengera adangochotsa chifukwa chakutayikiridwa pang’ono komanso kuti kampani ina yomwe idapempha kuti ivomereze kuchotsa gawoli ikufuna kuchitanso chimodzimodzi. Iye adati akukhulupirira kuti kulola ufulu wa ndale sikungalepheretse makampani a inshuwaransi kuchita zoyenera chifukwa akhoza kuimbidwa mlandu ngati achita zolakwika.

“Ndikuganiza kuti chodetsa nkhawa makampani ena pano … ndi zomwe kampaniyo idaziyika pamenepo, ndipo amalankhula chifukwa chomwe akufuna kutero ndikuti akuwona zopempha zambiri kuti ziwunikidwe pomwe pempholo likuchokera pakuwunika. “Schnautz adati.” Izi zimasanduka mkhalidwe womwe msika wokonzanso ukulipira ndalama zomwe zimatha kulipira aliyense. ”

Membala wa komiti Rep. Celia Israel (D-District 50) adafunsa Schnowitz ngati akuganiza kuti “ndizothandiza kuti tiyang’ane zinthu zonse zotetezeka.”

“Texas imatsogolera zambiri,” adatero. “Texas imayendetsa mofulumira. Texas imayendetsa kwambiri zoopsa. Ichi ndi chikhalidwe. Ichi ndi chikhalidwe choipa. … Timagwidwa ndi zokambirana za phindu ndipo timayiwala kuti pali anthu omwe amagula galimoto yomwe mwina adakhalapo. ngozi komanso kuti masensa sanakonzedwe ndipo palibe amene akudziwa.” Pali zinthu zoipa zomwe zimatchedwa galimoto ndipo anthu amazigula chifukwa amafunika kupita kuntchito.”

Schnautz adayankha, “Makampani a inshuwaransi nthawi zonse amakhala pagome lokambirana pankhani zachitetezo.”

“Sindikukayikira zonena kuti zomwe bungwe la inshuwaransi likuchita pano ndikungoyika patsogolo gawo lomwe lingakhale lopanda chitetezo chifukwa sindikuganiza kuti makampani athu samachita,” adatero. “Lingaliro lakuti ‘tingowawombera pamodzi ndi kuwabwezeretsa panjira ndipo sitisamala zomwe ziti zidzachitike,’ sindikuganiza kuti zenizeni zili choncho. Makampani a inshuwalansi ali ndi zambiri. kulimbikitsa makasitomala awo kuti akhutiritse, otetezeka, ndi kubwereranso panjira. “

Purezidenti wa ABAT Pearl Richards adanena zosiyana mu umboni wake. Iye adati, malinga ndi chidziwitso chake, palibe ndondomeko za inshuwalansi zomwe zimafuna kuti ma inshuwaransi a boma abweze magalimoto owonongeka kuzinthu zomwe zidawonongeka kapena zowonongeka komanso palibe malamulo omwe amafunikira chinenero chotere mu ndondomekoyi.

Richards anati: “Mukakhala ndi vuto pa ndondomekoyi, makampani a inshuwaransi amasankha momwe angakonzere magalimotowo. “…Muli ndi makampani a inshuwaransi omwe ndondomeko zawo zimawalola kulamula kukonza, choncho, palibe zokambirana.”

Mwachitsanzo, ndondomeko ya State Farm imanena kuti imakhazikitsa mtengo womwe ulipo, zomwe zili zoyenera ndi zomveka, komanso momwe magalimoto adzakonzedwera.

“Valuation [clause] Ndilo njira yothetsera mavuto ambiriwa. …Kuwunika ndi njira yabwino yowonera zomwe munthu wina akufuna [and] Kubweza ngongole. Mbali inayi, ndikuyembekeza kuti aliyense amvetsetsa, kampani ya inshuwalansi ilibe udindo wokonza izi. …ameneyo Ndine. Munakonza, ndiye tsopano mwakhala ndi okonza kuti, ‘Chabwino, ndimachita kwaulere chifukwa ndizotetezeka kwambiri; ndi chinthu choyenera kuchita? Kodi ndimalipira kusiyana kwa kasitomala? Kapena kodi kasitomala atembenuke? kwa loya?’ Koma mukatha Kupyolera mu ndondomeko yowunika, zimafulumizitsadi ntchito yonseyo.”

“Kuwunika ndikukonza bwino. Kuunika ndi kupeza nambala,” adatero Robert McDorman, General Manager wa Motor Claims Specialists. Ndi “vuto lachitetezo cha 100%,” adawonjezera.

“TDI imalimbikitsa kuwunika,” adatero McDorman. “Ndizosangalatsa kwambiri m’maboma kuti kuwunika kovomerezeka ndi kuchuluka kwa kutayika komwe kuli pafupi kwambiri ndi ufulu. Pazinthu zisanu ndi zitatu mwa 10 zomwe zimabwera kwa ife paziwongolero zotayika, titha kuwonjezera chiwongola dzanja ndi $4,200, kotero izi sizochepa. nambala.”

Ananenanso kuti kuwunika kwa kutayika kuyenera kukhala kodzichitira okha, koma anachenjeza kuti makina odzipangira okha sangakhale angwiro. McDorman adati ufulu wowunika uyenera kukhala wovomerezeka m’boma lililonse la US.

Doug Heller, mkulu wa inshuwaransi wa Consumer Federation of America, ananenanso kuti kuchotsa ufulu woyamikira kumakhudza chitetezo cha anthu. Kuwunikaku kumakhala ngati cheke ndi kulinganiza kwa makampani a inshuwaransi kuti adziwe kuchuluka kwa ndalama zolipirira kukonza galimotoyo ndikupereka lingaliro lachiwiri lomwe “limathandizira kupewa zolakwika zazikulu ndi zosiyidwa pakuwunika ndikukonzanso pambuyo pa kugunda.”

“Makampani a inshuwaransi akapanga zosankha zolakwika, zitha kukhala chigamulo chakupha,” adatero Heller. “Angatanthauze galimoto imene siwonongeka moyenerera ulendo wina ukadzachita ngozi. Zingatanthauze kuti dalaivala, kapena mwiniwake wa galimotoyo angakhale pangozi yaikulu chifukwa kampani ya inshuwalansi mwina inkafuna kudula. Kuwunikaku kumagwira ntchito ngati chitetezo choteteza mabizinesi ang’onoang’ono, mabizinesi, ndi zolakwika zamakampani a inshuwaransi.

Mkulu woona za chitetezo cha ogula ku TDI, a Cindy Wright, adauza bungweli kuti lichotsa madandaulo ogula omwe adaperekedwa kwa TDI kuyambira 2017 mpaka kumapeto kwa 2021 ndipo pa madandaulo pafupifupi 100,000, 544 anali okhudzana ndi kuwunikaku koma alibe tsatanetsatane wa zomwe zidachitika. madandaulo okhudzidwa. . Iye adanena kuti si madandaulo onse omwe akukhudzana ndi inshuwalansi ya galimoto.

A Mary Ann Baker, mkulu wa ofesi ya P&C Lines ku TDI, adati adamva nkhawa za mbali zonse ziwiri za nkhanza zomwe zingachitike pakuwunikaku. Anati makampani ambiri a inshuwaransi akufuna kuwonjezera kapena kusintha ziganizo zawo; Ena amangowonjezera ziganizo zambiri za momwe ntchitoyi imagwirira ntchito. Atafunsidwa ngati pali zofunikira zalamulo kapena malamulo kwa owerengera ku Texas, Baker adati, nthawi zambiri, palibe koma mfundo zambiri zimafuna kuti oyesa ndi abwanamkubwa azikhala odziwa ntchito komanso odziyimira pawokha ndipo ena amakhala ndi zofunikira zina.

Woyimira milandu waku Texas komanso wolimbikitsa anthu kulandira chithandizo ku komitiyi, a Jay Thompson, adauza komitiyi kuti njira yothetsera vutoli ndi yoti aphungu asinthe mfundo za anthu.

“Kodi timafunikira lamulo lonena zinazake; kuyezetsa ndikofunikira kapena ayi? … Ndikuganiza kuti zingapangitse kuti makampani omwe akufuna kupikisana azitha kukhala zosavuta. … dziwani njira zomwe angagwiritsire ntchito akavomera kapena Akana [policy] mawonekedwe.”

Heller adaperekanso malingaliro ena kuti nyumba yamalamulo iganizire zowongolera zowerengera: zimafuna ufulu wowerengera ndalama mu ndondomeko zamagalimoto pazowonongeka pang’ono ndi zonse, zimafuna ma inshuwaransi kuti azidziwitsa ogula kuti ufulu wowerengera ulipo, ndikuwonetsetsa kuti chiweruzo chikapezeka. Amayenera kukhala odziyimira pawokha kwa ma inshuwaransi, kukhazikitsa ndalama zomwe ogula angatengere kuti alembe ntchito yowerengera ndi / kapena woweruza, kulimbikitsa nthawi yoyitanitsa chigamulo choyesa kuti chiwongolerocho chisatenge nthawi yayitali, ndipo amafuna ma inshuwaransi kuti apereke deta ku TDI pakugwiritsa ntchito Evaluation, zotsatira ndi kusintha kwa mtengo wa dollar pazolinga.

Heller adanena kuti deta “idzapatsa malamulo ndi anthu kuti mudziwe zambiri za momwe ndondomekoyi ikugwirira ntchito ndipo idzakupatsani mwayi wothana ndi nkhawa zilizonse zomwe zimabwera ndi deta.”

Komitiyi sinachitepo kanthu pa nkhani yowunikira panthawiyi.

Zithunzi

Chithunzi chowonetsedwa: The Texas State Capitol (Mawu: Boogich/iStock)

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