Title XXXVII, Insurance

Any domestic title insurance company hereafter formed shall be organized as a stock corporation.

Every title insurance company shall have a minimum capital, which shall be paid in and maintained, of not less than $200,000 and, in addition, paid-in surplus of at least $100,000.

No surety company, whether organized under the laws of this or any other state or territory, shall assume any liability as surety on any bond which shall in amount exceed 10 percent of its net assets, without reinsuring in some surety company authorized to do business in this sta…

No policy or contract of title insurance shall be written unless and until the title insurance company has caused to be conducted a reasonable examination of the title and has caused to be made a determination of insurability of title in accordance with sound underwriting practic…

Surety companies organized under the laws of this state shall invest their funds in securities that are legal investments for savings banks, and in such other investments as may be approved by the insurance commissioner.

Every title insurance company shall have the following powers: I. To do the business defined in RSA 416-A:2, II of this chapter. II. To own, manage, and maintain sets of abstract books and, subject to the provisions of this chapter, make, compile, and sell abstracts of title to r…

Any surety company incorporated and organized under the laws of another state, for the purpose of transacting business as surety on obligations, may transact business in this state upon complying with the provisions of all laws relating to foreign insurance companies and their ag…

I. A title insurance company shall not: (a) Engage in the business of guaranteeing the payment of the principal or the interest of bonds, notes, or other obligations. (b) Transact, underwrite, or issue any kind of insurance other than title insurance. II. A title insurance compan…

Nothing in this chapter, or in any other provision of law governing the insurance industry, shall be construed to prohibit: I. Compensation by a title insurance company of an attorney who is licensed to practice for services actually rendered in connection with a real estate tran…

In lieu of those reserves required for other insurance companies, every domestic title insurance company, and every foreign or alien title insurance company which under the state of domicile is not required to maintain a substantially equivalent unearned premium reserve shall, in…

The purpose of this chapter is to regulate trade practices in the business of insurance, in accordance with the intent of Congress as expressed in the Act of Congress of March 9, 1945 (Public Law 15, 79th Congress), by defining or providing for the determination of all such pract…

I. A notice of cancellation of a policy, to which RSA 417-C:2 applies, shall be effective only if it is based on one or more of the following reasons: (a) Nonpayment of a premium, including nonpayment of any additional premiums due from an audit conducted in accordance with law f…

In this chapter: I. "Commissioner" means the insurance commissioner. II. "Experimental infertility procedure" means a procedure for which the published medical evidence regarding risks, benefits, and overall safety and efficacy is not sufficient to regard the procedure as an esta…

In this chapter: I. "Commissioner" means the insurance commissioner. II. "Insurer" means any entity issuing accident or health insurance or accident and health insurance policies, contracts, certificates, or other evidence of coverage pursuant to RSA 415, 415-A, 420-A, or 420-B. …

In this chapter: I. "Emergency medical condition" means "emergency medical condition" as defined in RSA 420-J:3, XV. II. "Emergency services" means "emergency services" as defined in RSA 420-J:3, XVI. III. "Insurer" means any entity providing managed care coverage or accident or …

I. For the purposes of this chapter "mental illness" means a clinically significant or psychological syndrome or pattern that occurs in a person and that is associated with present distress, a painful symptom or disability, impairment in one or more important areas of functioning…

This chapter shall apply to policies of insurance other than automobile insurance and workers' compensation insurance on personal, family, and household risks located or residents in this state which insure any of the following contingencies: I. Loss of or damage to real property…

As used in this chapter the following definitions shall apply: I. "Policy of automobile insurance" means a policy delivered or issued for delivery in this state insuring a person as named insured or one or more related individuals resident of the same household, and under which t…

I. If after hearing or at the expiration of the period set forth in a show cause order issued pursuant to this chapter, any person is found to have violated RSA 417:3, the commissioner may suspend, revoke, or refuse to renew the license of that person. The commissioner, in the co…

I. Failure by an insurer to comply with any section of this chapter, or rules, regulations, and order issued pursuant thereto shall subject an insurer to a fine not exceeding $2,500 in the discretion of the insurance commissioner, or suspension or revocation of such insurers lice…

Any party to the proceedings aggrieved by any order or decision of the insurance commissioner pursuant to RSA 417:10 shall be entitled to an appeal to the supreme court in accordance with the provisions of RSA 541, except that in the case of a fine imposed by any order or decisio…

I. Whenever the commissioner shall have reason to believe that any person engaged in the business of insurance is engaging in this state in any method of competition or in any act or practice in the conduct of such business which is not defined in RSA 417:4 nor which has been det…

If any person violates a cease and desist order issued by the commissioner pursuant to RSA 417:12, the commissioner may suspend, revoke, or refuse to renew the license of that person. The commissioner in the commissioner's discretion, in addition to or in lieu of such suspension,…

The powers vested in the commissioner by this chapter shall be in addition to any other powers to enforce any penalties, fines or forfeitures authorized by law with respect to the methods, acts and practices hereby declared to be unfair or deceptive.

In case of refusal of any person to comply with any subpoena issued under this chapter or to testify to any matter to which such person may be lawfully interrogated, the superior court of Merrimack county or the county where said party resides on application of the commissioner m…

If any person shall ask to be excused from attending and testifying or from producing any books, papers, records, correspondence, or other documents at any hearing on the ground that the testimony or evidence required of such person may tend to be self-incriminating or subject su…

Any domestic insurance company may have as a director a person who is also a director of another insurance company, which may be a foreign or domestic company; provided, however, that if the effect is to substantially lessen competition generally in the insurance business or to t…

As used in this subdivision the following words shall have the following meaning: I. "Insurance unfair trade practices law" and similar phrases means those practices prohibited by RSA 417. II. "Consumer" means any natural person who is offered or supplied goods or services for pe…

I. When a supplier, in any action or proceeding brought by the insurance commissioner, has been found to be in violation of this chapter or has been ordered to cease and desist, and said finding or order has become final, any consumer claiming to be adversely affected by the act …

I. No notice of cancellation shall be effective unless mailed, physically delivered, or electronically delivered by the insurer or its agent to the named insureds at least 60 days prior to the effective date of cancellation; provided, however, that where cancellation is for nonpa…

I. Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance coverage for the diagnosis of the etiology of infertility. …

No insurer shall cancel or refuse to write or renew a policy of insurance insuring against any of the contingencies set forth in RSA 417-B:1 solely because of the age, residence, race, color, creed, national origin, ancestry, marital status, or lawful occupation, including the mi…

I. The term "person" shall mean any individual, corporation, association, partnership, reciprocal exchange, inter-insurer, Lloyd's insurers, fraternal benefit society and any other legal entity, engaged in the business of insurance, including agents, brokers, and adjusters. II. "…

This chapter shall apply to that portion of policies of automobile insurance providing bodily injury and property damage liability, comprehensive, and collision coverages and to the provisions therein, if any, relating to medical payments and uninsured motorists coverage, which t…

I. For the purposes of this chapter, treatment of pervasive developmental disorder or autism as required under RSA 417-E:1, III(h) shall include the following: (a) Professional services and treatment programs, including applied behavioral analysis, necessary to produce socially s…

I. Each insurer that issues or renews any policy of accident and health insurance providing benefits for hospital expense, medical-surgical expense, or major medical expense shall provide in each group or individual policy, contract, or certificate of insurance issued or renewed …

An insurer retrospective review of a claim for reimbursement for emergency services shall include consideration of presenting symptoms, along with final diagnosis, and shall give due consideration to the definitions of emergency medical condition and emergency services in RSA 420…

Each insurer that issues or renews any policy of accident and health insurance providing maternity benefits for hospital expense, medical-surgical expense, or major medical expense shall provide in each group or individual policy, contract, or certificate of insurance issued or r…

No insurer shall cancel, refuse to write, or refuse to renew a policy under this chapter solely on the basis of credit information obtained from a credit rating, a credit history, or a credit scoring model, without consideration of any other applicable and permitted underwriting …

Every insurer subject to this chapter that provides individual or group coverage for mastectomy surgery shall provide coverage for reconstruction of the breast on which surgery has been performed and surgery and reconstruction of the other breast to produce a symmetrical appearan…

I. No group health plan, or a health insurance issuer offering group or individual health insurance coverage, that provides benefits with respect to screening and diagnostic and supplemental breast examinations furnished to an individual enrolled under such plan or coverage, shal…

I. Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide to certificate holders of such insurance coverage for maternal depression screening. II. Covered ben…

I. Any group health plan or health insurance issuer offering group health insurance coverage, that provides benefits with respect to mental health and substance use disorders treatment furnished to a perinatal individual enrolled under such plan or coverage, may choose to waive c…

I. Each health carrier that issues or renews any group policy, plan, or contract of accident or health insurance providing benefits for medical or hospital expenses, shall provide certificate holders of such insurance coverage for home visiting services for pregnant and postpartu…

I. Actions under this chapter shall be administered, so far as practicable, to avoid a multiplicity of actions seeking relief for or on behalf of the same consumers. II. Actions under this chapter shall be administered, so far as practicable, to facilitate voluntary settlements. …