Best Insurance Lawyers in New Hampshire

About Insurance Law in New Hampshire, United States

Insurance law in New Hampshire governs the relationship between individuals, businesses and insurance companies. This field of law covers a wide range of insurance types, including auto, homeowners, health, disability, workers compensation and life insurance. The primary goal of these laws is to protect consumers from unfair practices while ensuring that insurance companies remain financially responsible and able to pay valid claims. The New Hampshire Insurance Department is the state agency responsible for regulating the insurance industry, enforcing state insurance laws and helping residents resolve disputes.

Why You May Need a Lawyer

Many people seek legal assistance with insurance matters for several reasons. You may need a lawyer if an insurance company denies your claim or offers a settlement that seems unfairly low. Disputes over policy coverage, interpretation of policy terms or issues involving bad faith practices by insurers are also common reasons to consult an attorney. Additionally, if you are involved in a complex claim, such as a significant property loss, a personal injury with disputed liability or a business interruption claim, legal guidance can help ensure your rights are protected. Employers may also need legal help navigating workers compensation issues or disputes with insurers.

Local Laws Overview

New Hampshire has specific laws and regulations that impact insurance policies and how disputes are handled. Unlike many states, New Hampshire does not mandate auto insurance for all drivers, but you are still responsible for damages if you cause an accident and must show financial responsibility. The state is also unique in its handling of bad faith insurance claims - it recognizes claims under both contract and tort law, allowing policyholders more options if they believe their insurer acted unfairly or in bad faith. Insurance companies in the state must adhere to strict rules regarding claim timelines, policy cancellations, nonrenewals, and must provide clear explanations for denials. The New Hampshire Insurance Department enforces these laws and offers a formal complaint process for consumers.

Frequently Asked Questions

Do I need auto insurance in New Hampshire?

New Hampshire does not require all drivers to carry auto insurance, but you must prove financial responsibility if you are at fault in an accident. Most residents choose to purchase insurance to protect themselves from liability.

What counts as insurance bad faith in New Hampshire?

Bad faith may occur if an insurer unreasonably denies a claim, delays payment, fails to investigate properly, or does not settle claims when liability is clear. New Hampshire allows claims for bad faith under both contract and tort law in some situations.

Can an insurance company cancel my policy for any reason?

No, New Hampshire protects policyholders by limiting when insurance companies can cancel or nonrenew policies. Insurers must provide advance notice and explain the reason for cancellation or nonrenewal. Common reasons include nonpayment of premium, substantial change in risk, or evidence of fraud.

What should I do if my claim is denied?

If your insurance claim is denied, read the explanation provided by your insurer, review your policy, and gather all relevant documentation. You can appeal the denial and contact the New Hampshire Insurance Department for assistance or file a complaint.

Is health insurance required in New Hampshire?

There is no state law mandating health insurance for adults in New Hampshire. However, federal law may impose tax penalties depending on current federal regulations.

How long does an insurance company have to pay my claim?

New Hampshire law requires that insurance companies act promptly. Time limits can vary by policy type, but companies must generally pay claims within 30 days after a settlement is reached or liability is determined.

What help does the New Hampshire Insurance Department offer?

The department assists residents with complaints against insurers, helps explain policyholder rights, investigates unfair claim practices, and offers resources for various insurance products.

Are there special rules for homeowners insurance in New Hampshire?

Homeowners insurance is not required by law, but mortgage lenders typically require it. Insurers must clearly define what is covered and provide notice for nonrenewals or changes in coverage. The state also addresses fair claims handling practices for homeowners policies.

How can a lawyer help with my insurance dispute?

A lawyer can review your policy, negotiate with the insurance company on your behalf, file a lawsuit if necessary, and help you understand your legal options. They can also represent you in hearings or court proceedings related to your insurance issue.

Can I file a complaint against my insurer with the state?

Yes. New Hampshire residents can file a complaint with the Insurance Department if they believe their insurer acted improperly. The agency can investigate and help resolve the dispute, although some complex cases may require additional legal support.

Additional Resources

- New Hampshire Insurance Department: The main regulatory agency for insurance complaints, policy questions, and consumer information. - New Hampshire Bar Association: Can help you find certified attorneys specializing in insurance law. - New Hampshire Civil Legal Services Providers: Offer legal aid for qualifying individuals facing insurance disputes. - National Association of Insurance Commissioners: Offers general consumer education and guidance related to insurance products and industry practices.

Next Steps

If you are facing an insurance dispute or have questions about your rights, start by reviewing your insurance policy carefully. Contact your insurance company for clarification or to appeal a decision if needed. If you are unable to resolve the issue on your own, you may contact the New Hampshire Insurance Department for assistance with the complaints process. For complex or high-stakes cases, or if you suspect bad faith or unfair treatment, consult with an attorney who specializes in insurance law. Make sure to gather all relevant documents and correspondence before meeting with a lawyer to streamline the process and ensure your case is clearly presented.