reglab/housing_qa huggingface dataset:
NH Rev Stat § 407-D:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 407-D - After Market Parts|Section 407-D:1 - Definitions.

    407-D:1 Definitions. –||In this chapter:||I. "Insurer" includes any person authorized to represent the insurer with respect to a claim who is acting within the scope of the person's authority.||II. "Non-original manufacturer" means any manufacturer other than the original manufacturer of the part.||III. "After market part" means sheet metal or plastic parts which generally constitute the exterior of a motor vehicle, including inner and outer panels.|||Source. 1988, 176:2, eff. Jan. 1, 1989.|
NH Rev Stat § 407-D:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 407-D - After Market Parts|Section 407-D:2 - Identification.

    407-D:2 Identification. –||All after market parts manufactured after January 1, 1989, shall carry sufficient permanent identification so as to identify its manufacturer. Such identification shall be accessible to the extent possible after installation.|||Source. 1988, 176:2, eff. Jan. 1, 1989.|
NH Rev Stat § 407-D:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 407-D - After Market Parts|Section 407-D:3 - Like Kind and Quality.

    407-D:3 Like Kind and Quality. –||No insurer shall require the use of after market parts in the repair of an automobile unless the after market part is at least equal in like kind and quality to the original part in terms of fit, quality and performance. Insurers specifying the use of after market parts shall consider the cost of any modifications which may become necessary when making the repair.|||Source. 1988, 176:2, eff. Jan. 1, 1989.|
NH Rev Stat § 407-D:3-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 407-D - After Market Parts|Section 407-D:3-a - Limitation on the Use of After Market Parts.

    407-D:3-a Limitation on the Use of After Market Parts. –||I. No insurer of private passenger automobiles shall require or specify the use of after market parts on:||(a) Vehicles that have been placed in service within the immediately preceding 2 years and that have 30,000 or fewer miles recorded on the odometer; or||(b) Leased vehicles if the lease provides that such parts will cause a diminution of the residual value of such vehicle.||II. In this section, "specify" includes writing repair estimates on the basis of the cost of after market parts or otherwise declining to pay for the cost of original equipment manufacturer replacement parts.|||Source. 2016, 186:2, eff. Jan. 1, 2017.|
NH Rev Stat § 407-D:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 407-D - After Market Parts|Section 407-D:4 - Disclosure.

    407-D:4 Disclosure. –||I. The insurer shall disclose to the claimant in writing, either on the estimate or on a separate document attached to the estimate, the following information in no smaller print than 10 point type:||This estimate has been prepared based on the use of automobile parts not made by the original manufacturer. Parts used in the repair of your vehicle by other than the original manufacturer are required to be at least equal in like kind and quality in terms of fit, quality, and performance to the original manufacturer parts they are replacing.||II. All after market parts installed on the vehicle shall be clearly identified on the estimate of such repair.||III. Any insurer who fails to provide the precise statement in paragraph I shall be prohibited from requesting or requiring the use of after market parts.|||Source. 1988, 176:2. 2016, 186:1, eff. Jan. 1, 2017.|
NH Rev Stat § 407-D:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 407-D - After Market Parts|Section 407-D:5 - Enforcement.

    407-D:5 Enforcement. –||I. Any violation of this chapter by an insurer shall be deemed an unfair insurance trade practice under RSA 417. Insurers violating any provision of this chapter shall be subject to penalties under RSA 417:10.||II. Any violation of this chapter by a manufacturer shall be deemed an unfair or deceptive act or practice within the meaning of RSA 358-A:2 and may be enforced by the attorney general pursuant to RSA 358-A.|||Source. 1988, 176:2, eff. Jan. 1, 1989.|
NH Rev Stat § 408:1 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:1 - Married Women.

    408:1 Married Women. –||Every policy of life or endowment insurance made payable to or for the benefit of a married woman, or after its issue assigned, transferred, or in any way made payable to a married woman or to any person in trust for her or her benefit, whether procured by herself, her husband, or by any other person and whether the assignment or transfer is made by her husband or by any other person, shall enure to her separate use and benefit, and to that of her children, subject to the provisions of law, relative to premiums paid in fraud of creditors.|||Source. 1850, 967:1. CS 155:1. GS 160:1. GL 175:1. PS 171:1. PL 277:1. 1931, 175:1. RL 327:1.|
NH Rev Stat § 408:2 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:2 - Third Person.

    408:2 Third Person. –||If a policy of life or endowment insurance is effected by any person on his own life or on another life, in favor of a person other than himself having an insurable interest therein, the lawful beneficiary thereof other than himself or his legal representatives, shall be entitled to its proceeds and all other benefits against creditors and representatives of the person effecting the same; provided, that, subject to the statute of limitations, the amount of any premiums for said insurance paid in fraud of creditors, with interest thereon, shall enure to their benefit from the proceeds of the policy.|||Source. 1850, 967:2. CS 155:2. GS 160:2. GL 175:2. PS 171:2. PL 277:2. 1931, 175:1. RL 327:2.|
NH Rev Stat § 408:2-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:2-a - Charitable Gifts of Life Insurance.

    408:2-a Charitable Gifts of Life Insurance. –||I. A life insurance policy may be issued with the person paying the premiums for such insurance having no insurable interest in the life of the insured, providing a charitable, benevolent, educational, or religious institution or any other organization which qualifies for a charitable deduction under the Internal Revenue Code is designated irrevocably as the owner and beneficiary of the policy.||II. A life insurance policy may be issued with the person paying the premiums designated in the application as owner and insuring the premium payer's own life and designating a charitable, benevolent, educational, or religious institution or any other organization which qualifies for a charitable deduction under the Internal Revenue Code as the irrevocable beneficiary of the policy.||III. Nothing in this section shall affect the right of any person to effectuate life insurance on such person's own life, or by a person or any business entity on another life if there exists any reasonable expectation of pecuniary benefit or advantage, direct or indirect, in the continued life of the other person.||IV. No life insurance policy may be issued under this section unless the insured has consented in writing to the issuance of such policy.|||Source. 1993, 207:1, eff. June 9, 1993.|
NH Rev Stat § 408:2-b (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:2-b - Subsequent Disapproval; Individual Policies.

    408:2-b Subsequent Disapproval;  Individual Policies. –||The commissioner may at any time, after a hearing of which not less than 20 days' written notice shall have been given to the insurer, withdraw his or her approval of any such form on any of the grounds stated in this chapter. It shall be unlawful for the insurer to issue the form or use it in connection with any policy after the effective date of such withdrawal of approval. The notice of any hearing called under this section shall specify the matters to be considered at the hearing and any decision affirming disapproval or directing withdrawal of approval under this chapter shall be in writing and shall specify the reasons for the disapproval.|||Source. 2010, 12:2, eff. July 6, 2010.|
NH Rev Stat § 408:2-c (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:2-c - Disapproval of Forms; Individual Policies.

    408:2-c Disapproval of Forms;  Individual Policies. –||I. No policy shall be issued or delivered to any person in this state until a copy of the form thereof has been submitted to the commissioner for review under state law and such reasonable rules and regulations as the commissioner shall make concerning the provisions in such contracts and their submission for approval.||II. The commissioner may, within 30 days after the filing of any such form, disapprove such form:||(a) If it contains a provision which is unjust, unfair, inequitable, misleading, deceptive, or encourages misrepresentation of such policy; or||(b) If it does not comply with the requirements of Title XXXVII.||III. If the commissioner notifies the insurer which has filed any such form that it does not comply with the provisions of this chapter, it shall be unlawful thereafter for the insurer to issue the form or use it in connection with any policy. In the notice, the commissioner shall specify the reasons for disapproval and state that a hearing shall be granted within 20 days after request in writing by the insurer.|||Source. 2011, 189:3. 2017, 218:1, eff. July 10, 2017.|
NH Rev Stat § 408:3 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:3 - Intent to Defraud.

    408:3 Intent to Defraud. –||If it appears that the policy was procured with the intent and effect of defrauding creditors of the person procuring the same, the party receiving the money secured by the policy shall be liable to such creditors for the amount of all premiums paid for such insurance with interest thereon. The company issuing the policy shall be discharged of all liability thereon by payment of its proceeds in accordance with its terms, unless before such payment the company shall have written notice, by or on behalf of a creditor, of a claim to recover for certain premiums paid in fraud of creditors with the certification of the amount claimed.|||Source. GS 160:3. GL 175:3. PS 171:3. PL 277:3. 1931, 175:1. RL 327:3.|
NH Rev Stat § 408:4 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:4 - Exception.

    408:4 Exception. –||The provisions of RSA 408:1-3 do not apply to claims of creditors of any person effecting any life or endowment insurance which arise out of, or are based upon, any obligation created before May 9, 1931.|||Source. 1931, 175:2. RL 327:4.|
NH Rev Stat § 408:5 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:5 - Agents.

    408:5 Agents. –||A person who solicits insurance on behalf of a life insurance company, or transmits for a person other than himself an application for a policy of life insurance to or from such company, or offers or assumes to act in the negotiation of such insurance, shall be deemed a life insurance agent, and shall be liable to all the duties, requirements, liabilities, and penalties to which such agents are subject.|||Source. 1889, 94:1. PS 171:4. PL 277:4. RL 327:5.|
NH Rev Stat § 408:6 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:6 - Receipt of Premiums.

    408:6 Receipt of Premiums. –||A life insurance agent who acts for a person other than himself in negotiating a contract of life insurance shall, for the purpose of receiving the premium therefor, be held to be the company's agent, whatever conditions or stipulations may be contained in the policy or contract.|||Source. 1889, 94:2. PS 171:5. PL 277:5. RL 327:6.|
NH Rev Stat § 408:7 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:7 - Soliciting Agent; Altering Application.

    408:7 Soliciting Agent;  Altering Application. –||I. Any person who shall solicit an application for insurance upon the life of another shall, in any controversy between the insured, or his or her beneficiary, and the company issuing any policy upon such application, be regarded as the agent of the company and not the agent of the insured.||II. No alteration of any written application for any life insurance policy or annuity contract shall be made by any person other than the applicant without his or her written consent, except that insertions may be made by the insurer, for administrative purposes only in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.|||Source. 1907, 109:1. PL 277:6. RL 327:7. 2004, 187:8, eff. July 31, 2004.|
NH Rev Stat § 408:8 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:8 - Penalties.

    408:8 Penalties. –||Any person who shall assume to act as an agent of a life insurance company, without license therefor as provided by law shall be guilty of a class A misdemeanor if a natural person, or guilty of a felony if any other person. Any person who shall unlawfully act in any manner in the negotiation of insurance with a foreign life insurance company not admitted to do business in this state, or who as principal or agent shall violate any provision of the laws of the state in regard to the negotiation or effecting of contracts of life insurance, when no other penalty is provided, shall be fined not more than $500.|||Source. 1889, 94:3. PS 171:7. PL 277:7. RL 327:8. 2005, 206:7, eff. Jan. 1, 2006.|
NH Rev Stat § 408:9 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:9 - Policy Contract.

    408:9 Policy Contract. –||Every policy of insurance issued or delivered within this state by any life insurance corporation doing business within the state, together with the application therefor, a copy of which application shall be endorsed upon or attached to the policy and made a part thereof, shall constitute the entire contract between the parties.|||Source. 1907, 110:1. 1925, 122:1. PL 277:8. RL 327:9. RSA 408:9. 1969, 322:1, eff. Aug. 29, 1969.|
NH Rev Stat § 408:10 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:10 - Incontestability.

    408:10 Incontestability. –||The policy shall be incontestable after it shall have been in force during the lifetime of the insured for 2 years from its date, except (a) for non-payment of premiums, (b) for violations of the policy relating to naval or military service in time of war, and (c) at the option of the company, for provisions granting or increasing benefits in the event of total and permanent disability and provisions which grant additional insurance specifically against death by accident; provided, however, that this section shall not apply to a policy issued by a life insurance corporation organized under the laws of this state if such policy is issued on the life of a person who is neither a resident nor a citizen of the United States of America, if such policy is delivered to the policyholder outside the continental limits of the United States of America and its territories, and if the laws and regulations of the nation in which the policy is delivered to the policyholder do not prohibit the delivery of a life insurance policy which contains no incontestability clause, so-called.|||Source. 1925, 122:1. PL 277:9. RL 327:10. RSA 408:10. 1959, 220:1. 1969, 322:2, eff. Aug. 29, 1969.|
NH Rev Stat § 408:10-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:10-a - Interest Payment on Life Insurance Death Benefits.

    408:10-a Interest Payment on Life Insurance Death Benefits. –||I. Notwithstanding any other provision of law, any life insurance company doing business in this state which fails or refuses to pay the proceeds of, or payments under, any individual or group policy of life insurance issued by it within 30 days after the date of death of the insured shall pay interest, at a rate of interest currently paid by the insurer on proceeds left under the interest settlement option, computed from the date of the insured's death, on any moneys payable and unpaid after the expiration of such 30-day period. This section shall apply only to deaths of insureds which occur on or after January 1, 1986.||II. Nothing in this section shall be construed to allow any life insurance company doing business in this state to withhold payment of money payable under a life insurance policy to any beneficiary for a period longer than reasonably necessary to transmit such payment. Whenever possible, payment shall be made within 30 days after the date of death of the insured.||III. In any case in which interest on the proceeds of, or payments under, any individual or group policy of life insurance becomes payable pursuant to paragraph I, the insurer shall notify each named beneficiary at the last known address that interest will be paid on the proceeds of, or payments under, such policy from the date of death of the named insured if the company does not pay the proceeds of, or payments under, the policy within 30 days of the insured's death. Such notice shall specify the rate of interest to be paid.||IV. This section shall not require the payment of interest in any case in which the beneficiary elects in writing delivered to the insurer to receive the proceeds of, or payments under, the policy by any means other than a lump sum payment.|||Source. 1985, 224:1. 1995, 112:1, 2, eff. May 16, 1995.|
NH Rev Stat § 408:11 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:11 - Discrimination.

    408:11 Discrimination. –||No life insurance company doing business in this state shall make or permit any distinction or discrimination in favor of individuals, between insured persons of the same class and equal expectation of life, in the amount or payment of premiums or rates charged for policies of life or endowment insurance, or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the contracts it makes.|||Source. 1907, 111:1. PL 277:10. RL 327:11.|
NH Rev Stat § 408:12 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:12 - Penalty.

    408:12 Penalty. –||Any company or person who shall violate any of the provisions of RSA 408:11 shall be fined not more than $500; and the commissioner shall revoke the license of the party offending and shall not renew it for 3 years.|||Source. 1907, 111:2. PL 277:11. RL 327:12.|
NH Rev Stat § 408:13 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:13 - False Representations.

    408:13 False Representations. –||Any life insurance agent who shall, by false and fraudulent representations, procure payment or an obligation for the payment of a premium upon a life insurance contract shall be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person.|||Source. 1889, 94:2. PS 171:6. PL 277:12. RL 327:13. RSA 408:13. 1973, 528:284, eff. Oct. 31, 1973 at 11:59 p.m.|
NH Rev Stat § 408:14 (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:14 - Fraternal Associations.

    408:14 Fraternal Associations. –||No corporation organized and doing business in its home state or country as a fraternal beneficiary corporation or association, but not entitled to a license to transact business as a fraternal beneficiary association in this state under the laws of this state, shall be licensed to transact business in this state as an assessment insurance company under the provisions of this chapter.|||Source. 1895, 81:3. 1911, 27:1. PL 277:35. RL 327:14.|
NH Rev Stat § 408:16-a (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:16-a - Assignment of Interest.

    408:16-a Assignment of Interest. –||Subject to the terms of the policies relating to assignment of incidents of ownership thereunder, a person whose life is insured under a group life insurance policy may assign any and all incidents of ownership granted him under such policy or by law, including but not limited to the right to designate a beneficiary, to exercise the conversion privilege, to have an individual policy issued to him and to pay premiums. This provision shall be construed as declaring the law as it existed prior to its enactment and not as modifying it.|||Source. 1973, 509:5, eff. Aug. 31, 1973.|
NH Rev Stat § 408:16-b (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:16-b - Continuation of Coverage During Labor Disputes.

    408:16-b Continuation of Coverage During Labor Disputes. –||Any employee whose compensation includes group life insurance, the premiums for which are paid in full or in part by an employer including the state of New Hampshire, its political subdivisions, or municipal corporations, or paid by payroll deduction, may pay the premiums as they become due directly to the policyholder whenever the employee's compensation is suspended or terminated directly or indirectly as the result of a strike, lockout, or other labor dispute for a period not exceeding 6 months and at the rate and coverages as the policy provides.||I. During said 6-month period, the policy may not be altered or changed, except that nothing in this section shall be deemed to impair the right of the insurer to make normal decreases or increases of the premium rate upon expiration and renewal of the policy, in accordance with the provisions of the policy.||II. When the employee's compensation is so suspended or terminated, the employee shall be notified immediately by the policyholder in writing, by mail addressed to the address last on record with the policyholder, that the employee may pay the premiums to the policyholder as they become due as provided in this section.||III. The policyholder shall remit any premiums paid by the employees on a timely basis to the insurer.||IV. Nothing herein shall be deemed to require the continuation of any such group coverage to any individual employee beyond the time that he takes full-time employment with another employer; nor shall anything herein be deemed to require continuation of the group coverage more than 6 months after compensation is suspended or terminated as the result of a labor dispute, nor to require the insurer to continue coverage as to any employee for whose coverage premiums have not been remitted in accordance with the provisions of the policy.||V. After said 6-month period, if the group insurance coverage is no longer available, then the employee shall have the right to convert to an individual policy in accordance with the provisions of RSA 408:16, IX.|||Source. 1979, 418:2, eff. Aug. 22, 1979.|
NH Rev Stat § 408:16-c (2021)
2021 New Hampshire Revised Statutes|Title XXXVII - Insurance|Title 408 - Life Insurance|Section 408:16-c - Prohibited Provisions.

    408:16-c Prohibited Provisions. –||No group life insurance policy or certificate shall contain any provision that reduces or denies any benefit otherwise payable because a pre-existing medical or health condition contributed to the death or disability of the insured. No group life insurance policy or certificate shall contain any provisions that exclude benefits for specified illnesses or medical conditions of the insured or which impose additional waiting periods for pre-existing conditions or specified illnesses or medical conditions of the insured. An insurer may require that an insured be actively at work in order to be eligible for any benefits of the policy or certificate.|||Source. 1996, 188:2, eff. Jan. 1, 1997.|