美国参议员Elizabeth Warren和Josh Hawley正在质询六家保险公司，包括State Farm Mutual Automobile Insurance Co.和Allstate Corp.，由于担心越来越多的索赔在不向保单持有人付款的情况下被结案。
Senators Elizabeth Warren and Josh Hawley are questioning six insurers, including State Farm Mutual Automobile Insurance Co. and Allstate Corp., over concerns about a growing number of claims that are closed without payment to policyholders.
马萨诸塞州民主党人沃伦和密苏里州共和党人霍利写信给州立农场、好事达、USAA资本公司，Farmers Insurance Group、Liberty Mutual Insurance Co.和American Family Mutual Insurance Co.于10月2日成立，引发了人们对房主和汽车保险索赔在未付款的情况下结案的比例不断增加的担忧。参议员们要求保险公司提供房主和个人汽车保险未成功索赔的数据、影响这些索赔的因素以及过去十年索赔处理政策的任何重大变化。
Warren, a Massachusetts Democrat, and Hawley, a Missouri Republican, wrote letters to State Farm, Allstate, USAA Capital Corp., Farmers Insurance Group, Liberty Mutual Insurance Co. and American Family Mutual Insurance Co. on Oct. 2, raising concerns about an increasing share of homeowner and auto insurance claims being closed without payment. The senators asked that the insurers provide figures on unsuccessful claims for homeowners and personal auto insurance, the factors affecting those claims, and any material change to claims-handling policies in the past decade.
沃伦，参议院银行委员会高级成员和霍利在信中写道：“房主和汽车保险索赔导致无人赔付的比例不断增加，这引发了人们的严重疑问：当灾难或紧急情况发生并影响到他们最基本的必需品时，消费者是否可以相信保险公司会信守承诺。他们的家和汽车。”
“The growing share of both homeowners and auto insurance claims resulting in no payment raises serious questions about whether consumers can trust their insurance companies to hold up their end of the bargain when disasters or emergencies occur and affect their most basic essentials: their home and car,” Warren, ranking member of the Senate Banking Committee, and Hawley wrote in the letters.
与此同时，他们补充说，保险公司创纪录的利润引发了人们的担忧：“越来越激进的索赔处理做法，包括推迟付款的策略，是否会导致利润率上升”。
Meanwhile, record profits of insurance companies lead to concerns about “whether increasingly aggressive claims-handling practices, including tactics to delay payments, are contributing to higher margins,” they added.
州立农场在一份电子邮件声明中表示，每项索赔都由该公司根据“事实和购买的承保范围以及何时承保损失”进行评估。该公司补充说，由于多种原因，索赔可能会在不付款的情况下结束，包括金额低于客户的免赔额或客户撤回索赔。其他公司没有立即回应置评请求。
State Farm said in an emailed statement that each claim is evaluated by the firm based on the “facts and the coverage purchased, and when a loss is covered.”The firm added that claims can close without a payment for several reasons, including when the amount is below the customer’s deductible or if the customer withdraws the claim. The other companies didn’t immediately respond to requests for comment.
参议员们表示，房主保险成本的上升，加上赔付可能性的下降，导致一些房主完全选择退出保险。达拉斯联邦储备银行的一份报告显示，保费较2019年和2025年上涨了70%。
The rising cost of homeowners insurance, coupled with the lower likelihood of payouts, are causing some homeowners to opt out of insurance entirely, the senators said. Premiums climbed 70% from 2019 and 2025, according to a report by the Federal Reserve Bank of Dallas.