Bill > HB1486

This bill prohibits motor vehicle insurance companies in New Hampshire from penalizing an insured driver by requiring higher premiums, additional coverage, or proof of financial responsibility solely because a spouse, household member, or relative by marriage has a suspended or revoked driver's license or has been convicted of driving while intoxicated (DWI). Specifically, insurers cannot impose increased policy conditions or require higher coverage levels based on the driving record of a family member unless that person is actually a named insured or listed driver on the same policy. The bill ensures that any policy provisions that violate these restrictions are void and unenforceable, while still allowing insurers to consider the driving records of named insureds and listed drivers in their underwriting and rating decisions. The legislation is set to take effect on January 1, 2027, and aims to protect individuals from being unfairly charged higher insurance rates due to the driving history of family members who are not directly covered by their insurance policy.

Business and Industry

https://gc.nh.gov/bill_Status/billinfo.aspx?id=1833&inflect=2