纽约州金融服务厅拟新规：私家车保险费率任何上调须先获明确批准，公众意见期60天、法规11月27日生效
纽约州奥尔巴尼—纽约州州长 Kathy Hochul 公布，州金融服务厅（DFS）已提出一项法规，修改私家车保险费率的申报程序，落实2027财年预算中通过的改革，目标是提高保费定价对投保人的透明度。
拟规核心是「先行批准」：保险公司提出的任何私家车保险费率上调，须先获得金融服务厅的明确批准后方可实施。州长办公室表示，已颁布的2027财年预算包含针对车险保费驱动因素的改革，包括保险欺诈与过高诉讼成本；本次拟规是落实其中费率透明环节的一步。
程序方面，拟规在《州公报》（State Register）刊登之日起开启为期60天的公众意见期；相关法律与法规将于11月27日生效。金融服务厅代理厅长为 Kaitlin Asrow。拟规全文与意见提交方式公布在金融服务厅网站。
In Albany, New York, Governor Kathy Hochul has announced that the State Department of Financial Services (DFS) has proposed a regulation amending the process for filing private passenger auto insuranc
Under the proposal, insurers would be required to receive express prior approval from DFS before any upward change to private passenger automobile rates. The governor's announcement said the enacted budget delivers reforms addressing factors that drive up auto insurance premiums, including insurance fraud and excessive litigation costs, and that the proposed regulation is a step in enacting those reforms.
A 60-day public comment period commences upon the proposed regulation's publication in the State Register. The law and regulation will take effect on November 27, 2026. The Department of Financial Services is led by Acting Superintendent Kaitlin Asrow. The proposed regulation text and comment instructions are published on the DFS website.
来源：纽约州州长办公室公告（州政府，经 Consumer News Network 转载州长办公室原文） https://www.theconsumernewsnetwork.com/article/940903882-governor-hochul-announces-new-regulation-proposed-by-the-department-of-financial-services-increasing-transparency-for-policyholders-in-the-auto
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来源：纽约州金融服务厅
发布：GSM·美国（发布链接）
图片来源：纽约州议会大厦（资料图）。（Wikimedia Commons）|The New York State Capitol (file photo). (Wikimedia Commons)
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