뉴욕 주, 태풍 보험 제도를 제의

SPECIAL FUND PROPOSED FOR HURRICANE INSURANCE
  조회:  2,762   등록 일자: October 09   카테고리: 
뉴욕주의 보험업 감독 기관은 보험 회사들이 태풍 피해에 대비하는 기금을 별도로 준비해두는 제도를 제의하고 있다. 이것은 미국 남부와 서부 해안의 수백만 혹은 수천만 명의 보험 가입자들이 태풍 피해 때문에 보험 지불액의 대폭 증액을 당하고 있는 것으로 보고 보호책을 마련하려는 배려에서 비롯된 것이다. 그러나 보험 회사들은 이러한 제의에 대해 이의를 제기하고 있다. (ⓒ 2007 The New York Times) (ⓒ 2007 usabriefing.net) Byline: JOSEPH B. TREASTER New York regulators are proposing that insurance companies set aside extra money to pay for damage in the event of a significant hurricane, seeking to ease, at least in the state, the soaring premiums faced by millions of Americans along the Atlantic and Gulf coasts. But insurers have expressed reservations. Under the New York plan, insurers would for the first time be required to use money that now goes directly to profits to create contingency funds to pay for hurricane losses. Then, when a big storm hits, money would already be designated to pay for much of the damage. The financial shock would be eliminated or reduced, the regulators say, and there would be no justification for raising premiums sharply. The state Senate's insurance committee is holding a hearing on coastal insurance problems at 10 a.m. Tuesday at the western campus of the Suffolk County Community College in Brentwood. Consumer groups and insurance companies have long advocated creating special funds for significant hurricane damage. And the consumer advocates said New York's proposal could lead to the introduction of similar plans in other hurricane-prone states along the coast. "Other states may look at this and say, 'Why don't we have this sort of requirement,'" said J. Robert Hunter, the director for insurance of the Consumer Federation of America. "If every state had a reserve like this, they could actually work together so that the money could flow to wherever a hurricane struck. This would help stabilize prices and might even lower prices." Under the New York plan, which is to be presented to insurers as a draft of a new regulation in the next few days, the insurers would be required to set aside the portion of their annual premiums that is designated to cover hurricane damage. Regulators estimate that to be about $250 million. New York has no ability to change federal tax law. So the regulation would require the insurers to set aside the money after they had paid taxes on it. They would receive a tax deduction after they paid for hurricane damage. But in the meantime, they could not use the money for other purposes. (ⓒ 2007 The New York Times) (ⓒ 2007 usabriefing.net)
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