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New Hampshire Insurance Laws and Regulations

The New Hampshire Insurance Department develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of New Hampshire does not share consumer complaint information with consumers for their use when purchasing insurance.

Important Laws

A summary of the driving safety laws for the state of New Hampshire can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of New Hampshire.

The New Hampshire Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Minimum Car Insurance Coverage Required in New Hampshire

New Hampshire is considered to be a personal responsibility state. This means you don't need liability insurance to drive within the state. However, drivers that venture into the neighboring states of Maine, Vermont and Massachusetts are required to meet the minimum coverage laws of those states.

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, don't have enough insurance coverage or are the victim of a flood.