<p>，/PRNewswire/ -- 三项法案旨在帮助家庭维持他们的房屋保险覆盖，并在灾后获得他们所支付的保险福利，今天通过了州参议院拨款委员会，并将提交给参议院全体会议。</p>
<p>野火幸存者和在伊顿和太平洋帕利塞德火灾中挣扎以维持保险的消费者，支持由消费者观察者和每位火灾幸存者网络共同发起、由参议员萨莎·雷妮·佩雷斯和本·艾伦撰写的法案。</p>
<p>这些法案反映了灾后幸存者为获得索赔而斗争的努力，并支持所有在维持房屋保险方面挣扎的消费者。70% 的洛杉矶火灾幸存者报告称，保险延误和赔付不足阻碍了他们的恢复。仅在过去几年中，近一百万加州人被迫转向低福利、高成本的 FAIR 计划，或进入不受监管的盈余保险公司。</p>
<p>SB 878，由参议员萨莎·雷妮·佩雷斯撰写，强化了关于索赔延误的现有法律，要求保险公司及时以书面形式回应索赔，并对延迟支付索赔处以罚款。</p>
<p>&#34;SB 878 是关于问责制的。那些已经失去一切的家庭不应该被迫一个月又一个月地争取我们应得的赔偿，&#34;伊顿火灾幸存者达蒙·布朗特说，他在火灾中失去了家园和生计。</p>
<p>SB 877，由参议员萨莎·雷妮·佩雷斯撰写，帮助消费者挑战索赔不足，要求保险公司披露所有原始损失估算和所有修订。</p>
<p>&#34;SB 877 很简单。它要求保险公司向房主展示原始损失估算并解释任何变更。在失去如此之多之后，简单的透明度是我们应得的最低要求，&#34;罗斯安娜·瓦尔维德说，她在帕萨迪纳的房屋因火灾而受到有毒污染。</p>
<p>SB 1301，由参议员本·艾伦撰写，保护保单持有人免受无解释和突然不续保的影响，提供更大的披露和更多的时间来修复任何问题，以防止失去保险覆盖。</p>
<p>&#34;SB 1301 将要求保险公司明确书面说明维持保险覆盖所需的条件，并给予房主真正的机会和时间来遵守。如果这些保护措施早已到位，我们今天可能仍会拥有我们的保单，&#34;马格达·莫利纳说，她花费 8000 美元进行修理，却被保险公司告知这还不足以维持他们的保险覆盖。</p>
<p>&#34;每位加州人都会因为这些法案而更加安全，&#34;每位火灾幸存者网络执行董事乔伊·陈说。</p>
<p>&#34;这些法案都是关于获得保险覆盖和让消费者获得他们所支付的保险福利，&#34;消费者观察者执行董事卡门·巴尔伯说。</p>
<p>参议院法案 877、878 和 1301 现在将提交给参议院全体会议。</p>
<p>民调显示，超过 90% 的加州人支持要求保险公司在不续保前给予更长的通知，并提供足够的时间进行改进以保持保险。</p>
<p>观看与立法者和幸存者一起支持这些法案的新闻发布会。</p>
<p>40 个野火幸存者、消费者、环境、民事和经济正义、劳动、小企业和社区组织联合支持这些法案。</p>
<p>了解更多信息，请访问 www.fixinsurance.org</p>
<p>来源：消费者观察者</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwNTE0Jk5ld3NJdGVtSWQ9REM2MDMwNCZUcmFuc21pc3Npb25fSWQ9MjAyNjA1MTQxNjIxUFJfTkVXU19VU1BSX19fX19EQzYwMzA0?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwNTE0Jk5ld3NJdGVtSWQ9REM2MDMwNCZUcmFuc21pc3Npb25fSWQ9MjAyNjA1MTQxNjIxUFJfTkVXU19VU1BSX19fX19EQzYwMzA0"/></p>

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<p>三项旨在确保家庭在灾后获得房屋保险覆盖和福利的法案已通过州参议院拨款委员会，并将进入参议院全体会议。这些法案得到了野火幸存者和消费者权益倡导团体的支持，解决了索赔延迟、赔付不足和不续保等问题。SB 878 强制要求保险公司及时书面回复，SB 877 要求在损失估算中保持透明，SB 1301 则增强了对突发不续保的保护。超过 90% 的加利福尼亚人支持这些措施，旨在改善消费者获得保险福利的渠道</p>

<p>, /PRNewswire/ -- Three bills to help families keep their home insurance coverage and get the insurance benefits they pay for after a disaster, passed out of the state Senate Appropriations Committee today and head to the Senate Floor.</p>
<div class="lb-trans"><p>，/PRNewswire/ -- 三项法案旨在帮助家庭维持他们的房屋保险覆盖，并在灾后获得他们所支付的保险福利，今天通过了州参议院拨款委员会，并将提交给参议院全体会议。</p>
</div><p>Wildfire survivors and consumers struggling to keep their insurance and recover from the Eaton and Pacific Palisades fires have rallied in support of the bills cosponsored by Consumer Watchdog and the Every Fire Survivor's Network and authored by Senators Sasha Renée Pérez and Ben Allen.</p>
<div class="lb-trans"><p>野火幸存者和在伊顿和太平洋帕利塞德火灾中挣扎以维持保险的消费者，支持由消费者观察者和每位火灾幸存者网络共同发起、由参议员萨莎·雷妮·佩雷斯和本·艾伦撰写的法案。</p>
</div><p>The bills reflect the fight of disaster survivors to get their claims paid and support all consumers struggling to keep their home insurance. Seventy percent of Los Angeles fire survivors report that insurance delays and underpayments are impeding their recovery. Nearly one million Californians have been pushed onto the low-benefit, high-cost FAIR Plan, or into unregulated surplus lines insurance companies, in just the last few years.</p>
<div class="lb-trans"><p>这些法案反映了灾后幸存者为获得索赔而斗争的努力，并支持所有在维持房屋保险方面挣扎的消费者。70% 的洛杉矶火灾幸存者报告称，保险延误和赔付不足阻碍了他们的恢复。仅在过去几年中，近一百万加州人被迫转向低福利、高成本的 FAIR 计划，或进入不受监管的盈余保险公司。</p>
</div><p>SB 878, authored by Senator Sasha Renée Pérez, strengthens existing laws on claim delays by requiring insurers to respond to claims in writing and on time and penalizes late payment of claims.</p>
<div class="lb-trans"><p>SB 878，由参议员萨莎·雷妮·佩雷斯撰写，强化了关于索赔延误的现有法律，要求保险公司及时以书面形式回应索赔，并对延迟支付索赔处以罚款。</p>
</div><p>&#34;SB 878 is about accountability. Families who have already lost everything should not be forced to fight month after month just to receive the payments we are owed,&#34; said Damon Blount, a survivor of the Eaton fire who lost his home and livelihood in the fire.</p>
<div class="lb-trans"><p>&#34;SB 878 是关于问责制的。那些已经失去一切的家庭不应该被迫一个月又一个月地争取我们应得的赔偿，&#34;伊顿火灾幸存者达蒙·布朗特说，他在火灾中失去了家园和生计。</p>
</div><p>SB 877, authored by Senator Sasha Renée Pérez, helps consumers challenge claim underpayments by requiring insurers to disclose all original loss estimates and all revisions.</p>
<div class="lb-trans"><p>SB 877，由参议员萨莎·雷妮·佩雷斯撰写，帮助消费者挑战索赔不足，要求保险公司披露所有原始损失估算和所有修订。</p>
</div><p>&#34;SB 877 is simple. It requires insurers to show homeowners the original loss estimates and explain any changes. After losing so much, simple transparency is the least we deserve,&#34; said Rossana Valverde, whose standing home in Pasadena was left full of toxic contamination by the fire.</p>
<div class="lb-trans"><p>&#34;SB 877 很简单。它要求保险公司向房主展示原始损失估算并解释任何变更。在失去如此之多之后，简单的透明度是我们应得的最低要求，&#34;罗斯安娜·瓦尔维德说，她在帕萨迪纳的房屋因火灾而受到有毒污染。</p>
</div><p>SB 1301, authored by Senator Ben Allen, protects policyholders from unexplained and abrupt nonrenewals with greater disclosure and more time to repair any problem to prevent losing coverage.</p>
<div class="lb-trans"><p>SB 1301，由参议员本·艾伦撰写，保护保单持有人免受无解释和突然不续保的影响，提供更大的披露和更多的时间来修复任何问题，以防止失去保险覆盖。</p>
</div><p>&#34;SB 1301 would require insurers to clearly state, in writing, what is needed to maintain coverage and give homeowners a real opportunity and time to comply. If those protections had been in place, we would likely still have our policy today,&#34; said Magda Molina, who spent $8,000 on repairs only to be told by her insurance company it wasn't enough to keep their coverage.</p>
<div class="lb-trans"><p>&#34;SB 1301 将要求保险公司明确书面说明维持保险覆盖所需的条件，并给予房主真正的机会和时间来遵守。如果这些保护措施早已到位，我们今天可能仍会拥有我们的保单，&#34;马格达·莫利纳说，她花费 8000 美元进行修理，却被保险公司告知这还不足以维持他们的保险覆盖。</p>
</div><p>&#34;Every Californian will be safer because of these bills,&#34; said Joy Chen, Executive Director, Every Fire Survivor's Network</p>
<div class="lb-trans"><p>&#34;每位加州人都会因为这些法案而更加安全，&#34;每位火灾幸存者网络执行董事乔伊·陈说。</p>
</div><p>&#34;These bills are all about access to coverage and getting consumers the insurance benefits they paid for,&#34; said Carmen Balber, executive director, Consumer Watchdog.</p>
<div class="lb-trans"><p>&#34;这些法案都是关于获得保险覆盖和让消费者获得他们所支付的保险福利，&#34;消费者观察者执行董事卡门·巴尔伯说。</p>
</div><p>Senate Bills 877, 877 and 1301 now head to the Senate Floor.</p>
<div class="lb-trans"><p>参议院法案 877、878 和 1301 现在将提交给参议院全体会议。</p>
</div><p>Polls show over 90% of Californians support requiring insurance companies to give longer notice before nonrenewal and sufficient time to make improvements to stay insured.</p>
<div class="lb-trans"><p>民调显示，超过 90% 的加州人支持要求保险公司在不续保前给予更长的通知，并提供足够的时间进行改进以保持保险。</p>
</div><p>Watch the press conference with lawmakers and survivors in support of the bills.</p>
<div class="lb-trans"><p>观看与立法者和幸存者一起支持这些法案的新闻发布会。</p>
</div><p>40 wildfire survivor, consumer, environmental, civil and economic justice, labor, small business, and community organizations joined in support of the bills.</p>
<div class="lb-trans"><p>40 个野火幸存者、消费者、环境、民事和经济正义、劳动、小企业和社区组织联合支持这些法案。</p>
</div><p>Learn more at www.fixinsurance.org</p>
<div class="lb-trans"><p>了解更多信息，请访问 www.fixinsurance.org</p>
</div><p>SOURCE Consumer Watchdog</p>
<div class="lb-trans"><p>来源：消费者观察者</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwNTE0Jk5ld3NJdGVtSWQ9REM2MDMwNCZUcmFuc21pc3Npb25fSWQ9MjAyNjA1MTQxNjIxUFJfTkVXU19VU1BSX19fX19EQzYwMzA0" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=DC60304&amp;Transmission_Id=202605141621PR_NEWS_USPR_____DC60304&amp;DateId=20260514"/></p>

16:21 ET 消费者监督组织称，三项要求保险公司履行承诺的法案已通过参议院最终委员会，并将提交至全体会议