National Consumer Group Ipempha Anthu aku Ohio Kuti Athetse Chilango cha Amasiye – InsuranceNewsNet

Bungwe la National Consumer Rights Advocacy Group likuyitanitsa boma Ohio Ndipo ma inshuwaransi kuti asiye kuonjezera mitengo ya inshuwaransi kwa akazi amasiye ndi akazi amasiye amuna awo atamwalira pambuyo poti ndidalemba koyambirira kwachilimwechi.

Mu July, Ndinalemba ndime za Joe Klein Kuchokera Söffield Chodabwitsa kwambiri n’chakuti mitengo ya inshuwalansi ya galimoto yake inakwera mkazi wake atamwalira.

Klein adati sizomveka kuti chiwerengero cha anthu omwe ali ndi inshuwaransi pamagalimoto ake awiri chatsika, koma inshuwaransi yake yakwera. $20 Theka.

Kodi mkazi wamasiye ndi chiyani

Kapena chilango cha mkazi wamasiye?

Mchitidwe wokweza mlingo pambuyo pa imfa ya mwamuna kapena mkazi umatchedwa chilango cha umasiye.

Ndiloletsedwa m’chigawo chimodzi.

Mu 2015, adakhala Delaware Insurance Commissioner Karen Welden Stewart Ilo linalengeza kuti silingavomereze kupereka mtengo uliwonse wa inshuwalansi ya galimoto yomwe imaphatikizapo chilango.

“Zomwe zimatchedwa ‘chilango cha mkazi wamasiye’ ndizopanda chilungamo,” adatero Commissioner panthawiyo. “Kukhala dalaivala mmodzi chifukwa cha imfa ya mwamuna kapena mkazi wanu sikufanana ndi dalaivala wamng’ono, wosakwatiwa, wosadziŵa zambiri. Sindingavomereze madipoziti aliwonse a mitengo ya inshuwalansi ya galimoto yomwe siingapereke chidziwitso cha actuarial sound kuphatikizira akazi amasiye ndi akazi amasiye mu mlingo umodzi. gulu lapamwamba.”

Pambuyo pake chiletsocho chinakhala fayilo Delaware Lamulo Ladziko. Ndinayang’ana magwero angapo a boma ndi dziko lonse m’chilimwe, koma ambiri a iwo sanamvepo za chiletsocho.

mu OhioPalibe kuletsa koteroko, malinga ndi Dipatimenti ya Inshuwaransi ya Ohio.

Gulu ladziko lifika

Nditayima, ndinamva kuchokera Consumer Federation of America,a Washington DCGulu lolimbikitsa ogula lochokera.

Bungweli lidaphunzira koyamba zomwe limatcha mchitidwe wopanda chilungamo wamakampani a inshuwaransi omwe amakweza mitengo ya akazi amasiye ndi akazi amasiye mu 2015. Lidapeza kuti ma inshuwaransi ambiri amagalimoto adachulukitsa mitengo yamasiye ndi avareji ya 20%.

M’mizinda 10 m’dziko lonselo yomwe idaphunziridwa mu 2015, ma inshuwaransi akuluakulu anayi – GEICO, Farmers, Progressive, ndi Liberty – adawonjezera chiwongola dzanja cha boma kwa akazi amasiye ndi avareji ya 20%. Kampani yachisanu ya inshuwaransi, Nationwide, nthawi zina yawonjezera mitengo yamasiye. Wokhulupirira wachisanu ndi chimodzi, state farmMitengo yomwe amalipira sinasinthe chifukwa cha chikhalidwe cha anthu.

Michael DeLongWothandizira kafukufuku ndi kulengeza Consumer Federation of AmericaIye adati bungweli lapempha mayiko kuti athetse mchitidwewu. Mayiko ena awiri aletsa mchitidwewu, malinga ndi DeLong: Maryland Ndipo the Massachusetts.

Anaperekanso maphunziro ang’onoang’ono a ena Ohio Makampani a inshuwaransi kuti awone momwe mchitidwewu wafalikira pano. (Ohio sinali pakati pa mizinda yoyambirira ya 10 yomwe idaphunziridwa mu 2015).

Ohio Zotsatira

Izi ndi zomwe adapeza:

Bungweli lachita magawo atatu a zolemba zapaintaneti zamakampani akuluakulu asanu ndi limodzi a inshuwaransi, Geico, Liberty Mutual, American Family, Progressive, Famu ya dziko lonse ndi boma. Gwiritsani ntchito mbiri yoyendetsa yomweyi ndi adilesi ngati bambo kapena mayi wazaka 35 yemwe amakhala kumeneko Akron Ndi mbiri yabwino yoyendetsa galimoto. Nationwide ndi Liberty anafunikira chidziŵitso chowonjezereka kuti amalize mawu ogwidwawo, motero mawu ogwidwawo sanalandiridwe.

“Umboni wathu umasonyeza kuti Progressive ikupereka ‘chilango cha mkazi wamasiye’ kwa amayi, zomwe zimakweza mitengo yawo ngati amasiye,” adatero DeLong. “M’kuyesa kwathu koyamba, tidapeza kuti malipiro a miyezi isanu ndi umodzi kwa mayi wokwatiwa wazaka 35 anali otero. $187koma ngati ali wamasiye, malipiro ake amalumphira mtengo 204 USD. Ndipo m’chiyeso chachiwiri, malipiro a mkazi wokwatiwa anali 202 dollarChilolezo cha mkazi wamasiye chinali $218.

“A Progressives amalipiritsa amayi ndalama zambiri za inshuwalansi ya galimoto amuna awo akamwalira, ndipo ichi ndi chitsanzo chabwino cha umbombo. Ndizopanda chilungamo komanso zopanda umunthu.

Progressive sanayankhe kafukufuku wofuna ndemanga pa chigamulocho.

Kwa banja lachi America, zotsatira zake sizinali zomveka ndipo mawuwo anali osiyana nthawi iliyonse. Nthawi zina, amuna kapena akazi amasiye amaimbidwa mlandu wofanana ndi wokwatira, choncho bungweli linanena kuti silinganene motsimikiza ngati kampani ya inshuwalansi inapereka chilango kwa mkazi wamasiyeyo.

Makampani ena mwina analibe zotsatira kapena sakuwoneka kuti akulipiritsa chindapusa, kutengera maphunziro ang’onoang’ono.

DeLong adati bungwe likufuna Dipatimenti ya Inshuwaransi ya Ohio kuthandiza ogula.

“Makampani ambiri a inshuwalansi ya galimoto amalipiritsa akazi ndalama zambiri ngati anaferedwa, tsankho loipitsitsa limene limalanga anthu amene ali ndi chisoni chifukwa cha amuna awo. Dipatimenti ya Inshuwaransi ya Ohio Muyenera kulowererapo ndikuletsa izi zochitidwa ndi makampani a inshuwaransi. ”

Poyankha funso, Ohio Department of Insurance Communications Director Sarah Donlon Iye anati: “Za Consumer Federation of America Kuti tiphunzire, sitikulidziwa bwino phunziroli, koma tingalimbikitse aliyense amene angakumane ndi vutoli kuti atiyimbire foni pa 800-686-1526 kapena [email protected] Ndiye tikhoza kuyang’ana.”

Klein, mutu woyamba wa gawoli, anali kuyeseranso kufikira opanga malamulo kuti ayese kusintha.

“Zikomo chifukwa chosunga izi,” adatero Klein ponena za yankho lomwe adalandira pambuyo pa gawoli. Klein adakhala ndi kampani yomweyi pambuyo poti wothandizira wake adayang’ana ndikuipeza pamtengo watsopano kuti asunge ndalama. Anakana kutchula kampani ya inshuwaransi, ngakhale adavomereza kuti ndi imodzi mwazofunikira kwambiri pa kafukufuku wa 2015.

Bacon Journal Mtolankhani Wantchito Betty Lynn Fisher Atha kufika pa 330-996-3724 kapena [email protected]. Tsatirani iye @blinfisherABJ pa Twitter kapena www.facebook.com/BettyLinFisherABJ. Kuti muwone nkhani ndi magawo ake aposachedwa, pitani ku www.tinyurl.com/bettylinfisher.

Betty Lynn Fisher

Consumer Columnist

Magazini ya Akron Beacon

United States of America Masiku Ano Network – Ohio

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