New Hampshire Insurance Regulations

Overview

New Hampshire Insurance Department regulates the industry while maintaining the state's unique position as the only US state without mandatory auto insurance. However, drivers must demonstrate financial responsibility if involved in an accident.

Key Insurance Regulations in New Hampshire

• Modified comparative fault — barred at 51% or more fault
• 3-year statute of limitations for personal injury and property damage
• No mandatory auto insurance (only state without requirement) but financial responsibility required

Filing an Insurance Complaint in New Hampshire

If you believe your insurance company has acted unfairly or violated New Hampshire insurance laws, you can file a complaint with the New Hampshire Insurance Department. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The New Hampshire Insurance Department typically responds to complaints within 30 days.