reglab/housing_qa huggingface dataset:
NH Rev Stat § 412:17 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:17 - Cancellation Because of Age; Prohibited.

    412:17 Cancellation Because of Age;  Prohibited. –||No insurance company authorized to transact business in this state, which insures against loss by reason of the liability to pay damages to others for damage to property or bodily injury including death, arising from the operation, maintenance, or use of motor vehicles within this state, shall cancel, reduce liability limits, refuse to renew, or increase the premium of any such motor vehicle policy for the sole reason that the person to whom such policy has been issued has reached a certain age. The provisions of this section shall not apply to an increase or decrease of the premiums for such policies for any particular age group if a statewide classification system approved by the insurance commissioner is adopted for such drivers.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:17-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:17-a - Volunteer Drivers.

    412:17-a Volunteer Drivers. –||An insurer may not refuse to issue a policy of automobile insurance, as defined in RSA 417-A, to an applicant solely because the applicant is a volunteer driver. An insurer may not impose a surcharge or otherwise increase the rate for a policy of automobile insurance solely on the basis that the named insured, a member of the insured's household, or a person who customarily operates the insured's vehicle is a volunteer driver. For purposes of this section, "volunteer driver" means a person who provides services, including transporting individuals or goods, without compensation above expenses to a charitable organization as defined in RSA 7:21. This section does not prohibit an insurer from refusing to renew, imposing a surcharge, or otherwise raising the rate for a policy of automobile insurance based upon factors other than the volunteer status of the insured driver.|||Source. 2007, 351:1, eff. Jan. 1, 2008.|
NH Rev Stat § 412:18 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:18 - Repealed by 2021, 147:3, I, eff. Sept. 21, 2021.

    412:18 Repealed by 2021, 147:3, I, eff. Sept. 21, 2021. –|
NH Rev Stat § 412:21 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:21 - Insurers and Advisory Organizations: Prohibited Activity.

    412:21 Insurers and Advisory Organizations:  Prohibited Activity. –||I. No insurer or advisory organization shall:||(a) Attempt to monopolize, or combine or conspire with any other person to monopolize an insurance market.||(b) Engage in a boycott, on a concerted basis, of an insurance market.||II. No insurer shall agree with any other insurer or with an advisory organization to mandate adherence to or to mandate use of any rate, prospective loss cost, rating plan, rating schedule, rating rule, policy or bond form, rate classification, rate territory, underwriting rule, survey, inspection or similar material, except as needed to facilitate the reporting of statistics to advisory organizations, statistical agents or the commissioner.||III. The fact that 2 or more insurers, whether or not members or subscribers of an advisory organization, use consistently or intermittently the same rates, prospective loss cost, rating plans, rating schedules, rating rules, policy or bond forms, rate classifications, rate territories, underwriting rules, surveys or inspections or similar materials is not sufficient in itself to support a finding that an agreement exists.||IV. Two or more insurers having a common ownership or operating in this state under common management or control may act in concert between or among themselves with respect to any matters pertaining to those activities authorized in this chapter as if they constituted a single insurer.||V. No insurer or advisory organization shall make any arrangement with any other insurer, advisory organization, or other person which has the purpose or effect of unreasonably restraining trade or unreasonably lessening competition in the business of insurance.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:22 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:22 - Advisory Organizations and Statistical Agents; Prohibited Activity.

    412:22 Advisory Organizations and Statistical Agents;  Prohibited Activity. –||In addition to the other prohibitions contained in this chapter, except as specifically permitted under RSA 412:23 and RSA 412:24, no advisory organization or statistical agent shall compile or distribute recommendations relating to rates that include expenses, other than loss adjustment expenses, or profit.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:23 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:23 - Advisory Organizations; Permitted Activity.

    412:23 Advisory Organizations;  Permitted Activity. –||An advisory organization in addition to other activities not prohibited, is authorized, on behalf of its members and subscribers, to:||I. Develop statistical plans including territorial and class definitions.||II. Collect statistical data from members, subscribers or any other source.||III. Prepare, file and distribute prospective loss costs which may include provisions for special assessments.||IV. Prepare, file and distribute factors, calculations or formulas pertaining to classification, territory, increased limits and other variables.||V. Prepare, file and distribute manuals of rating rules, rating schedules and other supplementary rating information that do not include final rates, expense provisions, profit provisions or minimum premiums.||VI. Distribute information that is required or directed to be filed with the commissioner.||VII. Conduct research and on-site inspections in order to prepare classifications of public fire defenses.||VIII. Consult with public officials regarding public fire protection as it would affect members, subscribers and others.||IX. Conduct research in order to discover, identify and classify information relating to causes or prevention of losses.||X. Conduct research relating to the impact of statutory changes upon prospective loss costs and special assessments.||XI. Prepare, file and distribute policy forms and endorsements and consult with members, subscribers and others relative to their use and application.||XII. Conduct research and on-site inspections for the purpose of providing risk information relating to individual structures.||XIII. Conduct on-site inspection to determine rating classification for individual insureds.||XIV. Collect, compile and publish past and current prices of individual insurers, provided such information is also made available to the general public at a reasonable cost.||XV. Collect and compile exposure and loss experience for the purpose of individual risk experience ratings.||XVI. File final rates, at the direction of the commissioner, for residual market mechanisms.||XVII. Furnish any other services, as approved or directed by the commissioner, related to those enumerated in this section.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:24 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:24 - Statistical Agents; Permitted Activity.

    412:24 Statistical Agents;  Permitted Activity. –||In addition to other activities not prohibited, any statistical agent is authorized, on behalf of its members and subscribers, to:||I. Develop statistical plans including territorial and class definitions.||II. Collect statistical data from members, subscribers or any other source.||III. Distribute information that is required or directed to be filed with the commissioner.||IV. Collect, compile and distribute past and current prices of individual insurers and publish such information.||V. Collect and compile exposure and loss experience for the purpose of individual risk experience ratings.||VI. Furnish any other services, as approved or directed by the commissioner, related to those enumerated in this section.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:25 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:25 - Advisory Organizations; Filing Requirements.

    412:25 Advisory Organizations;  Filing Requirements. –||Every advisory organization shall file with the commissioner before the effective date every statistical plan, all prospective loss costs, provisions for special assessments and all supplementary rating information and every change or amendment or modification of any of the foregoing proposed for use in this state. Such filings shall be subject to the provisions of RSA 400-A:29, VI(d) and (e), RSA 412:16, and RSA 412:19 and other provisions of this chapter relating to filings made by insurers.|||Source. 2003, 150:1, eff. Jan. 1, 2004. 2017, 133:2, eff. Aug. 15, 2017.|
NH Rev Stat § 412:27 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:27 - Information to be Furnished Insureds; Hearings and Appeals of Insureds.

    412:27 Information to be Furnished Insureds;  Hearings and Appeals of Insureds. –||I. Every advisory organization and every insurer shall, within a reasonable time after receiving written request therefor and upon payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by the insurer, or to the authorized representative of the insured, all pertinent information as to such rate. If the advisory organization or insurer fails to grant or reject such request within 30 days after it is made, the applicant or insurer may request a hearing from the department pursuant to RSA 400-A:17.||II. If, after a hearing held under this section, it is determined that the rates charged by an insurer are in excess of the otherwise appropriate rate, such overcharge shall be refunded to the insured.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:28 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:28 - Filing and Approval of Rates and Rating Plans.

    412:28 Filing and Approval of Rates and Rating Plans. –||I. Every insurer, that insures employers against liability for compensation under the workers' compensation law, RSA 281-A, shall file with the insurance commissioner individually or in collaboration with others, in such form as the commissioner may prescribe every manual, minimum premium, class rate, rating schedule, or rating plan and every other rating rule, and every modification of any of the foregoing that it proposes to use; provided, that none of the above shall take effect until the commissioner shall have approved the same as adequate, not excessive, and not unfairly discriminatory.||II. An insurer shall file its rates by filing a multiplier, and, if applicable, other modifications to the prospective loss costs and rating plan filed by the National Council on Compensation Insurance or other authorized advisory organization on behalf of the insurer as permitted by RSA 412:23.||III. At the same time as a filing made pursuant to paragraphs I and II, every insurer shall file, or incorporate by reference any material that has been filed with and approved by the commissioner, all supplementary statistical and supporting information to be used as justification for this filing.||IV. The commissioner may evaluate systems of administered pricing versus competitive rating and the costs and benefits of applying such systems to regulating the classification of risks and premium rates for workers' compensation insurance in New Hampshire. The commissioner may provide an evaluation to the workers' compensation advisory council established by RSA 281-A:62.||V. A filing and any supporting information not considered proprietary pursuant to RSA 412:16, II shall be open to public inspection upon approval.|||Source. 2003, 150:1. 2005, 248:12, eff. Sept. 12, 2005. 2019, 50:1, eff. Aug. 4, 2019.|
NH Rev Stat § 412:29 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:29 - Withdrawal of Approval.

    412:29 Withdrawal of Approval. –||The commissioner may withdraw approval of any premium, rate, rating manual, or schedule filed by any insurer according to RSA 412:28, if, in the commissioner's judgment, such rate filing no longer results in premiums that are adequate, not excessive, or not unfairly discriminatory.|||Source. 2003, 150:1. 2005, 248:12, eff. Sept. 12, 2005.|
NH Rev Stat § 412:30 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:30 - Special Notice Required.

    412:30 Special Notice Required. –||Any insured receiving a premium quote from an insurer, based on an approved rating plan, as described in RSA 412:28, that is higher than the premium that would be derived from the rates and rating plan approved for the assigned risk plan, shall be made aware by the insurer, in writing, that coverage may be obtained at a lower premium in the assigned risk plan.|||Source. 2003, 150:1. 2005, 248:13, eff. Sept. 12, 2005.|
NH Rev Stat § 412:31 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:31 - Workers' Compensation Insurance Rate.

    412:31 Workers' Compensation Insurance Rate. –||All insurance carriers authorized to write workers' compensation insurance shall make available, at the written request of the employer, a workers' compensation insurance rate containing a deductible provision which shall bind the employer to pay, at a minimum, 100 percent of the first $500 of benefits due to an employee, whether these benefits be medical benefits or indemnity benefits. The commissioner shall approve rates that include larger medical and indemnity deductibles on benefits greater than $500. The commissioner shall prescribe the maximum medical and indemnity deductibles. Employers who choose to acquire workers' compensation insurance with a deductible provision, as to the amount of the deductible, are considered insurers and shall have the same responsibilities under the applicable sections of RSA 281-A.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:33 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:33 - Premium and Loss Information.

    412:33 Premium and Loss Information. –||All insurance companies writing workers' compensation coverage for risks located in the state of New Hampshire shall provide to each policyholder, on at least an annual basis, premium and loss information relative to the risk's workers' compensation experience. Such information shall include loss and claim specific information itemizing: name of claimant, claim number, date of loss, amounts paid and amounts in reserve with a notation indicating whether the claim is open or closed.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:34 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:34 - Schedule Rating.

    412:34 Schedule Rating. –||The commissioner may permit insurers to use appropriate systems of schedule rating filed by any insurer or rating bureau approved by the commissioner, subject to rules adopted under RSA 541-A, to assure the uniform and impartial application of such rating. Such ratings shall be:||I. Based on an employer's safety policies and record, including its policies with regard to injured workers' return to work;||II. No greater than plus or minus 25 percent of the insurer's base rates;||III. Voluntary on the part of both the insurer and the employer; and||IV. Applicable to an annual premium greater than $1,000.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:35 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:35 - Auditable Basis Policies.

    412:35 Auditable Basis Policies. –||I. All workers' compensation policies issued in this state shall be issued on an auditable basis. A final premium shall be charged based upon actual exposure existing during the term of the policy coverage.||II. Audits shall be conducted by either physical inspection of an insured's records and operations, or by telephone or mail request by the insurer to the insured.||III. Audits shall be completed promptly, no more than 120 days after the expiration or cancellation of the policy, provided that there is no bona fide dispute. Any insurer that violates the provisions of this paragraph shall be subject to the penalty provisions of RSA 412:40.||IV. (a) In cases where there is a bona fide dispute, the insurer shall notify the insured in writing that there is a bona fide dispute and this notice shall toll the 120-day time period until the dispute is resolved. Upon resolution of the dispute, the insurer shall proceed to complete the audit within the time remaining in the 120-day time period. A bona fide dispute includes the insured's failure to cooperate with the audit, provided the insurer has notified the insured of:||(1) The acts or omissions that constitute the insured's failure to cooperate; and||(2) The consequences of the insured's failure to cooperate, including delay in the completion of the audit.||(b) The consequence of the insured's failure to cooperate with this paragraph within 30 days of the notice shall be the assessment of a penalty equaling 3 times the estimated premium and setting the estimated premium as the final premium. Upon receipt of the penalty and final premium, the insured shall have an additional 10 days to request that the penalty be waived and to have the final premium be recalculated based upon actual exposure by completing the audit that is required by paragraph III. No timely request by an insured for a waiver and recalculation shall be denied by the insurer. The request shall be granted upon completion of the audit.||V. Gross unearned premium shall be returned pursuant to RSA 402:81.|||Source. 2003, 150:1. 2008, 211:1. 2014, 31:9, eff. July 26, 2014. 2020, 37:119, eff. Sept. 27, 2020.|
NH Rev Stat § 412:36 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:36 - Part of Contract.

    412:36 Part of Contract. –||The adjusted rate arrived at by any reduction or increase from the basic rate filed with and approved by the commissioner, in the application of such system of schedule or merit rating, shall be clearly set forth in the insurance contract or in the endorsement attached thereto.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|
NH Rev Stat § 412:37 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:37 - Repealed by 2004, 156:8, III, eff. July 23, 2004.

    412:37 Repealed by 2004, 156:8, III, eff. July 23, 2004. –|
NH Rev Stat § 412:37-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:37-a - Certificates of Insurance.

    412:37-a Certificates of Insurance. –||Every certificate of insurance issued or presented in this state pursuant to a workers' compensation insurance policy shall contain the following information:||I. All states for which such statutory coverage is provided;||II. Names of all executive officers or members who are excluded, if any, pursuant to RSA 281-A:18-a, or a notation that no executive officers or members are excluded; and||III. Names of all sole proprietors or partners who have elected to be covered under the policy or a notation that no sole proprietors or partners are covered.|||Source. 2008, 378:4, eff. Jan. 1, 2009.|
NH Rev Stat § 412:37-b (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:37-b - Advisory Organizations; Required Activity.

    412:37-b Advisory Organizations;  Required Activity. –||The commissioner shall consult with workers' compensation advisory organizations, workers' compensation carriers, and third party administrators or self-insureds regarding the most effective options for including workers' compensation medical claims data in the New Hampshire comprehensive health information system, as defined under RSA 420-G:11-a. The commissioner shall make a report with recommendations on options for including workers' compensation medical claims data in the New Hampshire comprehensive health information system on or before December 1, 2015 to the speaker of the house of representatives, the president of the senate, the governor, and the chairpersons of the house and senate committees having jurisdiction over health and human services.|||Source. 2015, 210:2, eff. Sept. 4, 2015.|
NH Rev Stat § 412:38 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 412 - Regulation of Forms and Rates for Property and Casualty Insurance|Section 412:38 - Examinations.

    412:38 Examinations. –||I. The commissioner may, as often as he or she deems it expedient, make or cause to be made an examination of each advisory organization or statistical agent referred to in RSA 412:20 and of each group, association or other organization referred to in RSA 412:26, provided that each statistical agent and advisory organization licensed in this state shall be examined at least once every 5 years. The reasonable costs of any such examination shall be paid by the advisory organization, statistical agent or group, association or other organization examined. The officers, manager, agents and employees of such advisory organization, statistical agent, or group, association or other organization may be examined at any time under oath and shall exhibit all books, records, account, documents or agreements governing its method of operation. In lieu of any such examination, the commissioner may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of that state.||II. As often as the commissioner deems necessary, the commissioner or a delegate may examine all policies, daily reports, binders, renewal certificates, endorsements, and other evidences of insurance or of the cancellation thereof, for the purpose of ascertaining that lawful rates are being charged. In connection therewith the commissioner may require the company or any officer or agent to produce all books and papers relating to the formulation or change of such rates in the possession of the company or agent and shall have power to examine under oath any officer or agent of said company on matters pertinent to the formulation or changing of such rates. The expense of an examination undertaken pursuant to authority hereby conferred shall be borne by the company examined.|||Source. 2003, 150:1, eff. Jan. 1, 2004.|