{"id":422192,"date":"2024-04-11T05:32:00","date_gmt":"2024-04-11T12:32:00","guid":{"rendered":"https:\/\/calmatters.org\/?p=422192"},"modified":"2024-04-11T15:12:28","modified_gmt":"2024-04-11T22:12:28","slug":"tarifas-aseguradoras-california-crisis-cambio-climatico","status":"publish","type":"post","link":"https:\/\/calmatters.org\/_zh\/calmatters-en-espanol\/2024\/04\/tarifas-aseguradoras-california-crisis-cambio-climatico\/","title":{"rendered":"El jefe de seguros de California y el director ejecutivo de Farmers ‘buscan por fuera’ respuestas a la crisis de seguros"},"content":{"rendered":"

\u9605\u8bfb\u6b64\u6545\u4e8b \u82f1\u8bed<\/a><\/em><\/p>\n\n\n\n

El comisionado de seguros del estado, Ricardo Lara, que est\u00e1 a punto de emitir nuevas regulaciones<\/a> para abordar la crisis de seguros de California, dijo a CalMatters esta semana que se siente como si estuviera “en un matrimonio forzado” con la industria de seguros, y que “nos mantendremos juntos” por los ni\u00f1os.”<\/p>\n\n\n\n

Pero Lara encontr\u00f3 puntos en com\u00fan con el director ejecutivo de una importante aseguradora estadounidense en una cumbre, la primera de su tipo, celebrada en Los \u00c1ngeles el mi\u00e9rcoles.<\/p>\n\n\n\n

Otros comisionados de seguros, funcionarios gubernamentales, representantes de la industria de seguros, organizaciones sin fines de lucro y acad\u00e9micos de todo el pa\u00eds y el mundo se reunieron esta semana para la Cumbre Global de Seguros Sostenibles, en un estado donde los residentes enfrentan primas m\u00e1s altas para propietarios de viviendas y seguros de autom\u00f3viles, y algunos de ellos resulta dif\u00edcil conseguir alg\u00fan tipo de seguro.<\/p>\n\n\n\n

Cuando Lara le pregunt\u00f3 al director ejecutivo de Farmers Insurance, Ra\u00fal Vargas, qu\u00e9 se necesitar\u00eda para que las aseguradoras comenzaran a emitir p\u00f3lizas en California nuevamente despu\u00e9s de que detuvieron o retrasaron nuevos negocios, Vargas se\u00f1al\u00f3 una de las regulaciones que Lara dio a conocer recientemente<\/a>: permitir a las aseguradoras utilizar modelos de cat\u00e1strofe al establecer sus tarifas. Los modelos de cat\u00e1strofes permitir\u00edan a las aseguradoras utilizar evaluaciones de riesgos futuros combinadas con datos hist\u00f3ricos para ayudar a fijar el precio de sus primas.<\/p>\n\n\n\n

“Las aseguradoras necesitan confianza para fijar correctamente el precio del riesgo”, dijo Vargas, y agreg\u00f3 que Farmers ha tenido “conversaciones constructivas” con el Departamento de Seguros de California que han permitido a la compa\u00f1\u00eda permanecer en el estado. Es de destacar que el director ejecutivo de una importante compa\u00f1\u00eda de seguros estadounidense expres\u00f3 p\u00fablicamente su apoyo al plan de Lara. Hasta ahora, los grupos comerciales de seguros han estado hablando principalmente en nombre de las aseguradoras sobre la situaci\u00f3n de los seguros en el estado, lo que ha obligado a muchos propietarios a recurrir al Plan FAIR de \u00faltimo recurso.<\/p>\n\n\n\n

Algunas afiliadas de Farmers dejaron de suscribir seguros en California a fines del a\u00f1o pasado, pero el portavoz de Farmers, Luis Sahagun, dijo a CalMatters en ese momento que otras entidades de Farmers, que brindan seguros a casi todos los clientes de las compa\u00f1\u00edas en el estado, se quedaron.<\/p>\n\n\n\n

Lara y Vargas tambi\u00e9n coincidieron en algunas otras cosas que tanto los reguladores como la industria de seguros deben hacer: compartir datos, trabajar juntos, comunicar con los consumidores sobre la importancia de la mitigaci\u00f3n y aprender de los dem\u00e1s.<\/p>\n\n\n\n

Vargas, quien se convirti\u00f3 en director ejecutivo en 2023, dijo que est\u00e1 enfatizando la importancia de la curiosidad en Farmers. \u201cNo creas que tienes todas las respuestas\u201d, dijo. “Mira afuera. Incluso para tus competidores\u201d.<\/p>\n\n\n\n

Lara expres\u00f3 un sentimiento similar sobre mirar afuera en una entrevista con CalMatters el martes. Dijo que su departamento necesita absorber la experiencia de otros mientras se enfrenta a lo que \u00e9l llama un momento crucial. Tambi\u00e9n dijo que la reuni\u00f3n de esta semana fue \u201ccr\u00edtica\u201d y que espera que la industria aseguradora estadounidense salga de la cumbre con nuevas ideas.<\/p>\n\n\n\n

“Se trata de llevar la perspectiva global a las aseguradoras”, dijo Lara. “Necesitamos tener conversaciones m\u00e1s all\u00e1 de ‘necesitamos m\u00e1s tarifas'”, dijo el comisionado, refiri\u00e9ndose a las aseguradoras que piden al estado que apruebe el aumento de sus primas.<\/p>\n\n\n\n

En la cumbre de dos d\u00edas estuvieron presentes representantes de compa\u00f1\u00edas de seguros que han dejado de redactar o han retirado nuevos y ciertos tipos de p\u00f3lizas de seguro en el estado. Esas compa\u00f1\u00edas incluyen CSAA, Mercury Insurance, American Family Insurance, Nationwide y Chubb, seg\u00fan el Departamento de Seguros. <\/p>\n\n\n\n

State Farm, que frustr\u00f3 al Departamento de Seguros el mes pasado cuando dijo que no renovar\u00eda decenas de miles de p\u00f3lizas para propietarios de viviendas aproximadamente al mismo tiempo que Lara present\u00f3 su proyecto de regulaci\u00f3n sobre modelos de cat\u00e1strofes, no pareci\u00f3 haber enviado un representante de la compa\u00f1\u00eda.<\/p>\n\n\n\n

Ceres, una organizaci\u00f3n sin fines de lucro que trabaja con inversionistas, empresas y otras organizaciones sin fines de lucro para defender la sostenibilidad, financi\u00f3 el evento y trabaj\u00f3 con el Departamento de Seguros de California para organizarlo.<\/p>\n\n\n\n

“La crisis clim\u00e1tica es un riesgo financiero para todas las entidades y tiene impactos en todas las industrias”, dijo Steven Rothstein, director gerente del Ceres Accelerator for Sustainable Capital Markets, en una entrevista con CalMatters. “Es importante unir a la gente para ayudar a los californianos y a otras personas en todo el mundo”.<\/p>","protected":false},"excerpt":{"rendered":"

El comisionado de Seguros de California, Ricardo Lara, dijo que las aseguradoras deben proponer ideas m\u00e1s all\u00e1 de aumentar las tarifas para ayudar a resolver la crisis de los seguros<\/p>","protected":false},"author":308,"featured_media":422015,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-feature.php","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"_spanish_translation_id":0,"_is_translation":false,"_newspack_byline_active":false,"_newspack_byline":"","newspack_content_restriction_is_exempt":false,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"EN RESUMEN:","newspack_article_summary":"El comisionado de Seguros de California, Ricardo Lara, dijo que las aseguradoras deben proponer ideas m\u00e1s all\u00e1 de aumentar las tarifas para ayudar a resolver la crisis de los seguros","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[34464],"tags":[],"legislator":[],"bill":[],"newspack_spnsrs_tax":[],"coauthors":[65078],"class_list":["post-422192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-calmatters-en-espanol","entry"],"acf":[],"apple_news_notices":[],"yoast_head":"\nEl jefe de seguros de California y el director ejecutivo de Farmers 'buscan por fuera' respuestas a la crisis de seguros - 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