加州保险局长拉拉推出费率「全面性审查」新规：保险公司可自愿预审并公开节省估算
加利福尼亚州萨克拉门托消息：加州保险局长里卡多·拉拉（Ricardo Lara）公布一项新的「全面性审查」法规，为保险公司在正式提交个人险种与商业险种费率变更申请之前，提供自愿参加的预审程序。该法规已获得加州行政法办公室批准。拉拉表示，新程序意在让费率审查更透明，并向消费者展示审查带来的保费节省。
根据新规，参加自愿预审的保险公司提交材料后，加州保险部将公布初步费率区间指示、其在审查中发现的问题，以及这轮审查预计为保户节省的保费金额。保险公司也可选择跳过预审，直接按第103号提案确立的既有程序正式申报费率，消费者介入费率程序的「干预人」制度保持不变。
这项法规是对保险部此前「完整费率申请」法规的补充。加州是美国最大的保险市场之一，近年来房屋保险与汽车保险费率持续上涨、部分保险公司收缩在加州的业务，费率审批的透明度与速度一直是州内热议话题。
California Insurance Commissioner Lara Unveils Voluntary Comprehensiveness Review for Rate Filings
Sacramento, California: Insurance Commissioner Ricardo Lara has unveiled a new Comprehensiveness Review Regulation giving insurers a voluntary pre-filing review before they formally submit rate changes for personal and commercial lines. The regulation has been approved by California's Office of Administrative Law. Lara said the process is designed to make rate review more transparent and to show consumers the premium savings the department's review produces.
Under the regulation, for insurers that opt into the voluntary review, the California Department of Insurance will publish initial rate range indications, the issues it identifies in insurer submissions, and the projected premium savings attributable to its review. Insurers may also skip the review and file directly under the existing Proposition 103 process, and the intervenor process for consumer participation in rate proceedings remains in place.
The rule complements the department's Complete Rate Application Regulation. California is one of the largest insurance markets in the United States; homeowners and auto premiums have risen steadily in recent years and some insurers have pulled back from the state, keeping the transparency and speed of rate approvals a live public debate.
来源：GSM·美国（原文链接）
图片来源：加州州议会大厦，位于萨克拉门托。The California State Capitol in Sacramento. Photo: Amadscientist, via Wikimedia Commons.
