佛蒙特州监管局驳回好事达「刚刚好」车险附加条款
佛蒙特州金融监管局驳回了好事达公司提出的“刚刚好”汽车保险附加条款，认为该条款可能误导投保人。这一自选附加条款以降低保费换取减少保障：如果由未列入保单的家庭成员，或未经列入保单的许可驾驶人驾驶车辆，碰撞险、综合险及其他车辆保障将不适用。监管局援引州法中关于误导性保单条款的规定，于11月3日将该备案定为“不予批准—终局”。好事达在田纳西州推广这款产品时称，车主若不常把车借给他人，可借此节省至多6%的保费。监管部门认为，该条款以保障范围的隐性缩水换取保费优惠，投保人可能在出险时才发现保障缺失，因此决定不予批准。这一决定意味着“刚刚好”附加条款不得在佛蒙特州销售，佛蒙特州车主投保时仍按现有标准保单获得保障。
（来源：佛蒙特州金融监管局）
Vermont Regulators Reject Allstate's 'Just Enough' Auto Insurance Endorsement
Vermont's Department of Financial Regulation has rejected Allstate's proposed "Just Enough" auto insurance endorsement, finding it could mislead policyholders. The optional endorsement trades lower premiums for reduced coverage: if a vehicle is driven by a household member not listed on the policy, or by an unlisted permissive driver, collision, comprehensive and other vehicle coverages would not apply. Citing state law on misleading policy provisions, the department marked the filing "Disapproved-Final" on November 3. In marketing the product in Tennessee, Allstate said drivers who rarely lend their car to others could save up to 6 percent on premiums. Regulators concluded the endorsement exchanges a hidden shrinkage of coverage for a premium discount, and policyholders might discover the gap only when filing a claim; they therefore declined to approve it. The decision means the "Just Enough" endorsement may not be sold in Vermont, and Vermont car owners will continue to be covered under existing standard policies.
(Source: Vermont Department of Financial Regulation)
来源：佛蒙特州金融监管局
发布：GSM·美国（发布链接）
图片来源：蒙彼利埃佛蒙特州议会大厦（图：Wikimedia Commons，CC BY 4.0） / The Vermont State House in Montpelier (Wikimedia Commons, CC BY 4.0)
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