学位论文汽车专业 翻译 中英文全review standards for commercial automobile.docx
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学位论文汽车专业 翻译 中英文全review standards for commercial automobile.docx
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学位论文汽车专业翻译中英文全reviewstandardsforcommercialautomobile
LINEOFBUSINESS:
CommercialAuto
LINE(S)OFINSURANCE
CODES
CommercialAutoCombinations
20.0000
CODE:
20.0
BusinessAuto
20.0001
Garage
20.0002
Other
20.0003
Truckers
20.0004
IFCHECKLISTISNOTAPPLICABLE,PLEASEEXPLAIN:
REVIEWREQUIREMENTS
REFERENCE
DESCRIPTIONOFREVIEWSTANDARDSREQUIREMENTS
LOCATIONOFSTANDARDINFILING
GENERALREQUIREMENTSFORALLFILINGS
ThefollowingwebsiterepresentstheDepartment'sinitiativetostreamlinetheproceduresforform,rateandrulefilings:
http:
//www.ins.state.ny.us/is-file.htm
Form/Page/Para
Reference
COVERLETTERANDEXPLANATORYMEMORANDUM
CL11(1998)
Thefilingshouldincludeacoverletter,andanexplanatorymemorandumclearlyexplainingtheintentofthefiling,andhighlightinganysubstantivechanges(suchaschangesinratemakingmethodologyormajorcoveragesprovided).Ifnewform(s),territories,classification(s),orrule(s)arebeingfiledandtherearesimilaronescurrentlyapprovedforusebyaRateServiceOrganization(RSO)oranotherinsurer,orhasbeenthesubjectofafilingpreviouslynotapprovedinNewYork,referenceshouldbeprovidedtotheDepartment'sfilenumberorSERFFtrackingnumberandeffectivedateoftheapproval,orcopiesoftheapproveditemsshouldbeincluded,ifapplicable.Ifthefilingiscurrentlyinuseinanotherstate,thisshouldbeindicated.
EXCLUSIONS&LIMITATIONS
11NYCRR60-1
(Reg35-A)
Regulation35-Acontainsalistofpermissibleexclusions.PleaserefertoItemI.a.8.&I.b.ofComplianceQuestionnaireNo.CALPD.
Asbestos
11NYCRR60-1
(Reg35-A)
NotpermittedbytheRegulation
Discrimination
11NYCRR60-1
(Reg35-A)
NotpermittedbytheRegulation.PleaserefertoItemI.a.8.&I.bofComplianceQuestionnaireNo.CALPD
IntentionalActs
11NYCRR60-1
(Reg35-A)
RequiredbytheRegulation.PleaserefertoItemI.a.15.&I.b.5.(ii)oftheComplianceQuestionnaireNo.CALPD
Mold
11NYCRR60-1
(Reg35-A)
NotpermittedbytheRegulation
PunitiveDamages
CourtofAppeals-HartfordA&Iv.VillageofHempstead,NewYork2nd218,1979
Allowableforpublicpolicyconsiderations.PleaserefertoItemI.b.5.(i)ofComplianceQuestionnaireNo.CALPD
Terrorism
11NYCRR60-1
(Reg35-A)
NotpermittedbytheRegulation
REVIEWREQUIREMENTS
REFERENCE
DESCRIPTIONOFREVIEWSTANDARDSREQUIREMENTS
LOCATIONOFSTANDARDINFILING
FILINGSUBMISSION
§2305&§2307
CL19(1992)
SupplementNo1to
CL11(1998)
Forms,territories,classifications,ratingrules,ratesandratingplansaresubjecttopriorapproval.
ComplianceQuestionnaires,FormsandOptional"SpeedtoMarket"FilingProcedures
CL11(1998)
SupplementNo3toCL11(1998)
Pleaserefertothefollowingwebsiteforadditionalinformation:
http:
//www.ins.state.ny.us/issec-iv.htm
NOFILEORFILINGEXEMPTIONS
§6301
11NYCRR16(Reg.86)
Therateandformfilingexemptionsofthe"FreeTradeZone"donotapplytoCommercialAutoInsurance.
PROHIBITEDCOVERAGES
WhiletheDepartmentdoesnothaveanexhaustivelist,someexamplesofprohibitedcoveragesincludepunitivedamagesandcorporalpunishment.Pleaserefertothefollowingwebsiteforadditionalinformation:
http:
//www.ins.state.ny.us/issec-v.htm
IndemnificationPolicy
§3420
Isnotpermitted.Liabilitycoveragemustbeprovidedonapayonbehalfbasis.PleaserefertoItemI.a.1ofComplianceQuestionnaireNo.CALPD.
SIDEBYSIDECOMPARISON
CL11(1998)
Ifthefilingisarevisiontoexistingform(s),territories,classification(s)orrule(s);Exceptforsimple,non-substantivechanges,aside-by-sidecomparisonoftheform(s)orrule(s)beingproposedandthosecurrentlyinuseinNewYork,withallchangesclearlymarkedandexplainedinthecompany'scoverletterormemorandummustbeincluded.Revisionstoclassificationsandterritoriesshouldincludeacomparisonbetweenthosecurrentlyonfile(inNewYork)andthoseproposed,includingrelevantstatisticaldata(experience)andanyrateorraterelativityeffect.ThereshouldbeareferencetotheDepartment'spreviousfilenumberand/oracopyoftheapprovalletterinwhichthecurrentform(s),territories,classification(s)orrule(s)wereapproved/acknowledged.
FORMS:
POLICYPROVISIONS
§2307,§2610,§3411,§3412,§3420,§3426,&Article51
11NYCRR60-1(Reg35-A)
11NYCRR60-2(Reg35-D)
11NYCRR216(Reg64)
11NYCRR65(Reg.68-A)
11NYCRR67(Reg.79)
11NYCRR71(Reg.107)
ThefollowingComplianceQuestionnairecontainsdetailedinformationformakingacommercialautofilingincludingrequiredpolicyprovisions,exclusions,prohibitedcoverages,andstandardlanguage:
CommercialAutoLiabilityandPhysicalDamageCoveragesFormFilingComplianceQuestionnaire
calpd.doc(WordFormat)calpd.pdf(PDFFormat)
Form/Page/Para
Reference
APPLICATIONS
Filingexemption
§2307(b)
Applicationswhichdonotbecomepartofthepolicyareexemptfromfilingrequirements
FraudWarningStatement
§403(d)
11NYCRR86.4(Reg.95)
NonerequiredonCommercialAutoPolicyFormsorapplications(onlyclaimforms)
REVIEWREQUIREMENTS
REFERENCE
DESCRIPTIONOFREVIEWSTANDARDSREQUIREMENTS
LOCATIONOFSTANDARDINFILING
ARBITRATION
No-FaultCoverages
11NYCRR65
(Reg68-A)
RequiredprovisionscontainedinendorsementsasprescribedbytheRegulation.
Othercoverages
ExceptforNo-Faultcoverages(seeabove),notrequired,althoughgenerallycontainedinmostpolicies/coverages.
BANKRUPTCYPROVISIONS
Insolvencyorbankruptcyclause
§3420(a)
(1)
Policymustcontainastatementindicatingthattheinsolvencyorbankruptcyoftheinsuredortheinsured'sestatedoesnotreleasetheinsurerfromits'contractualobligationtopaydamagescoveredunderthepolicy.PleaserefertoItemI.a.2ofComplianceQuestionnaireNo.CALPD.
BLANKENDORSEMENTS
NotpermittedsinceablankendorsementmaychangepolicyprovisionswithouttheproperapprovalbythisDepartment.Anexceptionmaybemadeforablankformifitsusageisapparentbasedonthetitle/languageoftheformitself(suchasachangeinaddressform).Formscontainingcheckboxeswithaspaceforlanguagetobeaddedareconsideredblankendorsementsandaresubjecttotheserules.
CANCELLATION&NON-RENEWAL
§3426
CL14(1986)
CL11(1989)
SupplementNo1toCL11(1989)
TheCancellation&NonrenewalprovisionsapplytoallcommercialriskpoliciesincludingpoliciesissuedorissuedfordeliveryinNewYorkcoveringriskswithmulti-statelocationswheretheinsuredisprincipallyheadquarteredinNewYorkorthepolicyprovidesthatNewYorkLawwillgovern.PleaserefertoComplianceQuestionnaireNo.CLCNRfordetailedcancellationandnonrenewalrequirements:
CommercialLinesCancellationandNonrenewalFormFilingComplianceQuestionnaire
clcnr.doc(WordFormat)clcnr.pdf(PDFFormat)
NoticeofCancellation
§3426(b),(c),(h)
(2),(g)&(I)
Thecancellationprovisionsmustcomplywiththestatutoryrequirementsforthecontentofthenotice(includinglossinformation),proofofnotice,specialprovisions,andtimeframeforgivingnotice.AnynoticewhichfailstoincludeaprovisionrequiredbySection3426shallnotbeaneffectivenoticeofcancellation.PleaserefertoItemI.AofComplianceQuestionnaireNo.CLCNR
NoticeofNonRenewal
§3426(e),(g),(h)
(2)&(I)
Thenonrenewalprovisionsmustcomplywiththestatutoryrequirementsforthecontentofthenotice(includinglossinformation),proofofnotice,specialprovisions,andtimeframeforgivingnotice.AnynoticewhichfailstoincludeaprovisionrequiredbySection3426shallnotbeaneffectivenoticeofnonrenewal.PleaserefertoItemI.BofComplianceQuestionnaireNo.CLCNR.
RequiredPolicyPeriod
§3426(a)
(2)&(d)
(2)
Arequiredpolicyperiodmeansaperiodofoneyearfromthedateasofwhichacoveredpolicyisrenewedorfirstissued.Apolicyissuedforlessthanoneyearmustbeincompliancewithstatutoryreasonsoutlinedin§3426(d)
(2).PleaserefertoItemIIofComplianceQuestionnaireNo.CLCNR.
REVIEWREQUIREMENTS
REFERENCE
DESCRIPTIONOFREVIEWSTANDARDSREQUIREMENTS
LOCATIONOFSTANDARDINFILING
PermissibleReasonsforCancellation
§3426(b),(c)&(h)
Apolicymaybecancelledforanyvalidunderwritingreasonduringthefirst60daysapolicyisinforce.Afterthefirst60days,reasonsforcancellationarelimitedtostatutoryreferences.PleaserefertoItemI.A.2ofComplianceQuestionnaireNo.CLCNR.
PermissibleReasonsforNonRenewal
§3426(e)&(h)
Avalidunderwritingreasonmustbespecificallylistedinnotice.PleaserefertoComplianceQuestionnaireNo.CLCNR.
ConditionalRenewal
§3426(e)
(1)(B)
Aconditionalrenewalnoticeisrequiredforanychangeinthepolicylessfavorabletothepolicyholder.Suchnoticemustcontainthespecificreasonorreasonsforconditionalrenewalandmustcomplywiththestatutoryrequirementsforthecontentofthenotice(includinglossinformation),proofofnotice,specialprovisions,andtimeframeforgivingnotice.PleaserefertoItemI.B.2ofComplianceQuestionnaireNo.CLCNR.
Suspension
VTL§311
MandatoryCoverages(liability&no-fault)mayonlybesuspended(byendorsement)ifthevehicle'slicenseplatesaresurrendered.AlthoughnotarequirementintheLaw,insurerswillgenerallynotissueasuspensionunlesstheyreceiveproofofplatesurrender.
CLAIMSMADE
11NYCRR60-1
(Reg35-A)
11NYCRR73
(Reg121)
Claims-madecoverageisprohibitedformotorvehicleliabilitypolicies.
DEFENSE
DutytoDefend
11NYCRR60-1.1(b)
(Reg.35-A)
11NYCRR71(Reg.107)
Theinsurerhasthedutytodefendallclaimstowhichthep
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