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1 New Section; Prohibition on Insurance Requirements for Spouses of DWI Offenders. Amend RSA 412 by inserting after section 8 the following new section:
412:8-a Prohibition on Insurance Requirements for Spouses of DWI Offenders.
I. No insurer issuing a motor vehicle liability policy in this state shall require, or impose increased premiums or other coverage conditions on, any insured solely because a spouse, household member, or relative by marriage has had their license suspended or revoked, or has been convicted of driving while intoxicated under RSA 265-A.
II. No insurer shall require an insured to obtain a higher level of coverage, file proof of financial responsibility, or purchase any rider, endorsement, or policy solely because of the license status or driving record of a spouse, household member, or relative by marriage unless that person is a named insured or listed driver on the same policy.
III. Any policy provision in violation of this section shall be void and unenforceable.
IV. Nothing in this section shall be construed to prevent an insurer from taking the driving record or license status of a named insured or listed driver into account in rating, underwriting, or policy issuance decisions, provided such underwriting is not based solely on relationship to a person with a DWI conviction or license suspension who is not a named insured or listed driver.
2 Effective Date. This act shall take effect January 1, 2027.
Text to be added highlighted in green.
1 New Section; Prohibition on Insurance Requirements for Spouses of DWI Offenders. Amend RSA 412 by inserting after section 8 the following new section:
412:8-a Prohibition on Insurance Requirements for Spouses of DWI Offenders.
I. No insurer issuing a motor vehicle liability policy in this state shall require, or impose increased premiums or other coverage conditions on, any insured solely because a spouse, household member, or relative by marriage has had their license suspended or revoked, or has been convicted of driving while intoxicated under RSA 265-A.
II. No insurer shall require an insured to obtain a higher level of coverage, file proof of financial responsibility, or purchase any rider, endorsement, or policy solely because of the license status or driving record of a spouse, household member, or relative by marriage unless that person is a named insured or listed driver on the same policy.
III. Any policy provision in violation of this section shall be void and unenforceable.
IV. Nothing in this section shall be construed to prevent an insurer from taking the driving record or license status of a named insured or listed driver into account in rating, underwriting, or policy issuance decisions, provided such underwriting is not based solely on relationship to a person with a DWI conviction or license suspension who is not a named insured or listed driver.
2 Effective Date. This act shall take effect January 1, 2027.