Esta ley establece reglas sobre cómo se revisan y aprueban las tarifas de seguros para autos. Antes de que una nueva tarifa entre en vigor, debe esperar 60 días para asegurar que sea justa.
Es como cuando haces un platillo nuevo: primero lo pruebas y esperas un tiempo para ver si los sabores se mezclan bien antes de servirlo a tus amigos.
Imagina que Juan es propietario de una compañía de seguros y quiere aumentar la tarifa de su póliza de auto. Según la ley, debe presentar su nueva tarifa y esperar 60 días antes de que pueda comenzar a aplicarla, a menos que reciba una aprobación especial del comisionado.
75 Pa.C.S. 2001 - Short Title Of Chapter This chapter shall be known and may be cited as the Motor Vehicle Insurance Rate Review Procedures Act. 75 Pa.C.S. 2002 - Scope Of Chapter This chapter applies to all rate filings for motor vehicle insurance. Rate filings for motor vehicle insurance shall also be subject to the act of June 11, 1947 (P.L.538, No.246), known as The Casualty and Surety Rate Regulatory Act. Where any conflict exists between this chapter and The Casualty and Surety Rate Regulatory Act, this chapter shall be applied so as to supersede The Casualty and Surety Rate Regulatory Act to the extent of the conflict. 75 Pa.C.S. 2003 - Waiting Period For Filings (a) General rule.--Notwithstanding any other provision of law to the contrary and except as otherwise provided in subsection (b), no rate filing to which this chapter applies may become effective prior to the expiration of a waiting period of 60 days from the date the filing is received by the commissioner. This 60-day period may be extended an additional 30 days by the commissioner upon written notice to the insurer or rating organization making the filing. (b) Exceptions.--The waiting period and extensions thereof required by subsection (a) shall not apply in the following circumstances: (1) When an insurer or rating organization makes written application, the commissioner may authorize a filing or part thereof which has been reviewed to become effective prior to the expiration of the waiting period or any extension thereof as provided in subsection (a). (2) Upon the written consent of the insured stating his reasons therefor, filed and approved by the department, a rate in excess of that provided by a filing otherwise applicable may be used on any specific risk. The rate shall become effective wh
El período de espera permite que el comisionado revise la nueva tarifa y asegure que sea justa para los consumidores antes de que entre en vigor.
La aseguradora no puede aumentar la tarifa hasta que se cumplan los 60 días, a menos que obtenga una aprobación especial del comisionado.
Sí, si das tu consentimiento por escrito, se puede aplicar una tarifa más alta para tu póliza específica antes de que se cumpla el período de espera.
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