HB1259 (2024) Detail

Relative to property and casualty insurance laws administered by the insurance department.


HB 1259 - VERSION ADOPTED BY BOTH BODIES

 

28Mar2024... 0762h

13Jun2024... 2242CofC

2024 SESSION

24-2261

05/10

 

HOUSE BILL 1259

 

AN ACT relative to property and casualty insurance laws administered by the insurance department.

 

SPONSORS: Rep. Hunt, Ches. 14

 

COMMITTEE: Commerce and Consumer Affairs

 

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AMENDED ANALYSIS

 

This bill clarifies the distinction between personal and commercial lines in homeowners policies; permits the use of electronic communication for auditable basis policies; requires the insurer to state the specific reason for cancellation or refusal to renew a policy; and provides an exemption to the insurance claims adjusters statute for persons who solely handle automobile glass claims.

 

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Explanation: Matter added to current law appears in bold italics.

Matter removed from current law appears [in brackets and struckthrough.]

Matter which is either (a) all new or (b) repealed and reenacted appears in regular type.

28Mar2024... 0762h

13Jun2024... 2242CofC 24-2261

05/10

 

STATE OF NEW HAMPSHIRE

 

In the Year of Our Lord Two Thousand Twenty Four

 

AN ACT relative to property and casualty insurance laws administered by the insurance department.

 

Be it Enacted by the Senate and House of Representatives in General Court convened:

 

1  Regulation of Forms and Rates for Property and Casualty Insurance; Definition of Personal Risk; Distinction Between Personal and Commercial Lines.  Amend RSA 412:3, XV to read as follows:

XV.  "Personal risk" means homeowners, [including dwelling insurance for owner-occupied one to 4 family buildings,] tenants, private passenger [non-fleet automobiles on a personal] automobile policy, [mobile homes] and other property and casualty insurance for personal, family or household needs.  This includes any property and casualty insurance that is otherwise intended for non-commercial coverage.

2  Regulation of Forms and Rates for Property and Casualty Insurance; Auditable Basis Policies.  Amend RSA 412:35, II to read as follows:

II.  Audits shall be conducted by either physical inspection of an insured's records and operations, or by telephone, [or] mail, [request] electronic communication or by virtual means as requested by the insurer to the insured.

3  Cancellation, Refusal to Write, Renew; Application of Chapter.  Amend RSA 417-B:1 to read as follows:

417-B:1  Application of Chapter.  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 [which is used solely for residential purposes, which is owner occupied, and which consists of not more than 4 dwelling units].

II.  Loss of or damage to personal property [owned by natural persons except personal property used in the conduct of a commercial or industrial enterprise].

III.  Legal liability of a [natural] person or persons for loss of, damage to, or injury to, persons or property[, but not including policies primarily insuring risks arising from the conduct of a commercial or industrial enterprise].

4  Cancellation; Refusal to Renew; Notice.  Amend RSA 417-B:4, II to read as follows:

II.  State the specific reason or reasons of the insurer for cancellation or refusal to renew [or be accompanied by a statement that upon written request of the named insured, mailed or delivered to the insurer not less than 10 days prior to the effective date of cancellation or refusal to renew, the insurer will specify the reason or reasons for such cancellation, or refusal to renew.  The insurer shall supply such information within 5 days of receipt by it of such request].

5  New Subparagraph; Insurance Claims Adjusters; Definitions; Exemptions.  Amend RSA 402-B:2, III by inserting after subparagraph (e) the following new subparagraph:

(f)  A person who solely investigates, negotiates, settles, or completes a first notice of loss form for automobile glass replacement or repair claims.

6  Effective Date.  This act shall take effect January 1, 2025.

Amendments

Date Amendment
March 18, 2024 2024-0762h
May 23, 2024 2024-2164s

Links


Date Body Type
Feb. 7, 2024 House Hearing
March 13, 2024 House Exec Session
March 13, 2024 House Floor Vote
April 23, 2024 Senate Hearing
May 23, 2024 Senate Floor Vote
May 22, 2024 Senate Floor Vote
June 13, 2024 Senate Floor Vote
June 13, 2024 Senate Floor Vote
June 13, 2024 House Floor Vote

Bill Text Revisions

HB1259 Revision: 42622 Date: June 13, 2024, 2:04 p.m.
HB1259 Revision: 42373 Date: May 29, 2024, 8:31 a.m.
HB1259 Revision: 42337 Date: May 23, 2024, 3:52 p.m.
HB1259 Revision: 41454 Date: March 28, 2024, 2:17 p.m.
HB1259 Revision: 41246 Date: March 18, 2024, 12:27 p.m.
HB1259 Revision: 39727 Date: Dec. 1, 2023, 3:32 p.m.

Docket


June 13, 2024: Conference Committee Report 2024-2242c: Adopted, VV 06/13/2024 HJ 16


June 13, 2024: Conference Committee Report # 2024-2242c, Adopted, VV; 06/13/2024; SJ 17


June 6, 2024: Conference Committee Report Filed, # 2024-2242c; 06/13/2024


June 4, 2024: Conference Committee Meeting: 06/04/2024 02:30 pm LOB 302-304


May 30, 2024: President Appoints: Senators Gannon, Innis, Soucy; 05/30/2024; SJ 16


May 30, 2024: Sen. Gannon Accedes to House Request for Committee of Conference, MA, VV; 05/30/2024; SJ 16


May 29, 2024: House Non-Concurs with Senate Amendment 2024-2164s and Requests CofC (Reps. Hunt, Burroughs, Ammon, Grassie): MA VV 05/29/2024 HJ 14


May 23, 2024: Ought to Pass with Amendment 2024-2164s, MA, VV; OT3rdg; 05/23/2024; SJ 15


May 23, 2024: Sen. Bradley Floor Amendment # 2024-2164s, AA, VV; 05/23/2024; SJ 15


May 22, 2024: Special Order to the end of the calendar on 05/23/2024, Without Objection, MA; 05/22/2024; SJ 14


May 22, 2024: Sen. Bradley Moved to Remove HB 1259 from the Consent Calendar; 05/22/2024; SJ 14


May 15, 2024: Committee Report: Ought to Pass, 05/22/2024; Vote 5-0; CC; SC 20


April 17, 2024: Hearing: 04/23/2024, Room 100, SH, 10:50 am; SC 16


April 2, 2024: Introduced 03/21/2024 and Referred to Commerce; SJ 8


March 28, 2024: Ought to Pass with Amendment 2024-0762h: MA VV 03/28/2024 HJ 10


March 28, 2024: Amendment # 2024-0762h: AA VV 03/28/2024 HJ 10


March 18, 2024: Committee Report: Ought to Pass with Amendment # 2024-0762h 03/13/2024 (Vote 18-0; CC) HC 12 P. 6


March 7, 2024: Executive Session: 03/13/2024 10:00 am LOB 302-304


Feb. 14, 2024: Subcommittee Work Session: 02/20/2024 10:00 am LOB 305


Feb. 7, 2024: Subcommittee Work Session: 02/14/2024 10:00 am LOB 302-304


Jan. 31, 2024: Public Hearing: 02/07/2024 10:30 am LOB 302-304


Dec. 1, 2023: Introduced 01/03/2024 and referred to Commerce and Consumer Affairs