宾夕法尼亚州长签署众议院1972号法案：公共理算师灾难索赔收费上限10%
宾夕法尼亚州州长乔什·夏皮罗（Josh Shapiro）已签署众议院1972号法案，更新该州公共理算师法律，加强遭受损失后处理保险索赔的房主、企业和家庭的保护。该法案由众议员罗伯特·默斯基（Robert Merski）发起，夏皮罗政府及宾夕法尼亚州保险厅与议会合作推动，法案在州参众两院均获一致通过。法案签署的消息于11月2日见报。
新法将公共理算师收费上限设定为灾难性索赔的10%、其他索赔的20%——此前的法律并无收费上限——帮助消费者保留更多的保险赔款；同时扩大消费者签约后的取消权，要求签约前披露，禁止理算师在与其所处理索赔相关的维修、重建工作中持有财务利益，禁止接受承包商回扣，并要求保险公司核查从业者执照、报告疑似无照活动。公共理算师的最低保证金要求也从2万美元提高到4万美元。
州保险专员迈克尔·汉弗莱斯（Michael Humphreys）表示，家庭在火灾、风暴或其他灾难后恢复时，不应再为过高收费、隐藏的利益冲突或无照从业者担忧。州长办公室表示，该法案反映了全国保险监督官协会倡导的全国最佳做法。公共理算师是代表投保人而非保险公司处理索赔的专业人员。
（来源：Insurance Journal）
Pennsylvania Governor Signs House Bill 1972: Public Adjuster Fees Capped at 10% for Catastrophic Claims
Pennsylvania Governor Josh Shapiro has signed House Bill 1972 into law, updating the state's public adjuster law and strengthening protections for homeowners, businesses and families navigating insurance claims after a loss. The bill was sponsored by Representative Robert Merski; the Shapiro administration, including the Pennsylvania Insurance Department, worked with the General Assembly to advance it, and it passed both the House and Senate unanimously. News of the signing was reported on November 2.
The new law caps public adjuster fees at 10% for catastrophic claims and 20% for other claims — the prior law had no cap — helping consumers keep more of their insurance recovery. It also expands cancellation rights, requires pre-contract disclosures, bars adjusters from holding a financial interest in repair or reconstruction work tied to a claim they handle, prohibits kickbacks from contractors, and requires insurers to verify adjusters' licenses and report suspected unlicensed activity. The minimum surety bond for public adjusters doubles from $20,000 to $40,000.
Insurance Commissioner Michael Humphreys said families recovering from a fire, storm or other devastating event should not have to worry about excessive fees, hidden conflicts or individuals operating outside the law. The governor's office said the bill reflects national best practices adopted by the National Association of Insurance Commissioners. Public adjusters are professionals who handle claims on behalf of policyholders rather than insurance companies.
(Source: Insurance Journal)
来源：Insurance Journal
发布：GSM·美国（发布链接）
图片来源：图：位于哈里斯堡的宾夕法尼亚州议会大厦圆形大厅。Acroteion 摄，CC BY-SA 4.0，经 Wikimedia Commons。 / Photo: The rotunda of the Pennsylvania State Capitol in Harrisburg. By Acroteion, CC BY-SA 4.0, via Wikimedia Commons.
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