俄克拉荷马州保险局公布State Farm逾4500万美元和解：至少3500万美元赔予消费者，合格屋顶风雹索赔将由独立第三方复核重开
俄克拉荷马州保险局 11 月 13 日公布与 State Farm 达成逾 4500 万美元和解，源于该局对该公司屋顶风雹索赔处理的一次市场行为检查。
保险局表示，检查认定 State Farm 在部分屋顶风雹索赔中存在不当拒赔或未足额赔付。按和解安排，至少 3500 万美元将用于消费者赔偿。
和解另包括 1000 万美元拨入 Strengthen Oklahoma Homes 补助计划，以及 286 万美元的罚款与检查费用。该补助计划协助居民加固屋顶，保险局称，采用加固屋顶的住户平均每年可省保费约 700 美元。
按和解条款，损失日期在 2021 年 1 月 1 日至 2025 年 12 月 31 日之间、已结案但未获赔付的合格索赔，将由独立第三方管理员复核并重开处理，受影响的投保人无需自行提出申请即可进入复核范围。
俄克拉荷马州保险局是该州政府保险监管机构，负责保险公司市场行为检查与消费者投诉处理。本次和解的执行进度将由该局监督。
The Oklahoma Insurance Department Announces a State Farm Settlement of More Than 45 Million Dollars: at Least 35 Million Dollars in Consumer Restitution, With Eligible Roof Wind and Hail Claims to Be Reviewed and Reopened by an Independent Third Party Administrator
The Oklahoma Insurance Department announced on November 13 a settlement of more than 45 million dollars with State Farm, following a market conduct examination of the company handling of roof wind and hail claims.
The department said the examination found that State Farm had improperly denied or underpaid some roof wind and hail claims. Under the settlement, at least 35 million dollars will go to consumer restitution.
The settlement also includes 10 million dollars for the Strengthen Oklahoma Homes grant program and 2.86 million dollars in fines and examination costs. The grant program helps residents fortify their roofs, and the department said households with fortified roofs save an average of about 700 dollars a year on premiums.
Under the settlement terms, eligible claims with loss dates between January 1, 2021, and December 31, 2025, that were closed without payment will be reviewed and reopened by an independent third party administrator, and affected policyholders will be included in the review without having to apply on their own.
The Oklahoma Insurance Department is the state government insurance regulator, responsible for market conduct examinations of insurers and for consumer complaint handling. It will oversee implementation of the settlement.
来源：俄克拉荷马州保险局
发布：GSM·美国（发布链接）
图片来源：图：俄克拉荷马州议会大厦（俄克拉荷马州相关资料图）。w_lemay，CC BY-SA 2.0，Wikimedia Commons。 / Photo: 俄克拉荷马州议会大厦. w_lemay, CC BY-SA 2.0, via Wikimedia Commons.
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