New Hampshire total-loss rules

The age limit on limb (b) is tight — model year plus four calendar years, narrower than Kansas's six or Missouri's six — so for most cars on the road the 75 percent test simply does not apply and limb (a), the insurer's own impracticality judgment, governs. Citing 75 percent against an older New Hampshire vehicle misstates the rule.

Note that New Hampshire requires DOCUMENTED SALES rather than listings or asking prices — a materially higher standard than most states in this ledger, where 'available' or 'listed' comparables suffice. The same-make-model-AND-year requirement comes first; like kind and quality is the fallback only where exact matches are unavailable, so a like-kind comparable used while exact matches exist departs from the rule.

Three checkable requirements in one provision: at least two, actually SOLD (not listed), and within 90 days and the local market area. A valuation resting on current listings rather than completed sales is outside the rule on its face — one of the cleanest points available in any state here. Undefined 'local market area' places New Hampshire with California, Tennessee, Minnesota, Louisiana, Kentucky, Arkansas and Kansas.

No request needed and no exception stated — the report travels with the offer. Read alongside (a)(2), the report should be capable of showing the two documented sales, their dates and the market area, which is exactly what a reconsideration demand under (c) is built from.

New Hampshire is one of four states with no general sales tax, so a rule requiring an insurer to include it would have nothing to operate on, and the audit does not raise a tax shortfall here. Recorded as a confirmed absence rather than as an unsearched gap: the answer follows from what New Hampshire taxes rather than from how much of Ins 1002 has been read.

The settlement regulation is silent on fees, and the New Hampshire RSAs and insurance rules was searched for a total-loss fee requirement; no document pairs 'total loss' with insurer and registration or fee in the insurance titles. Some policy forms include these fees as a matter of contract, which is a policy question rather than a state requirement.

Recorded as partial because the FIELD concerns a policy appraisal provision and Ins 1002.15 contains none. The reconsideration right is the functional substitute and is tighter than most: TWENTY days, not the 30 in Kansas and Hawaii or the 35 in California, New Jersey, Washington, Kentucky, Oregon and Iowa — and it requires evidence from two reliable sources rather than merely an assertion that you cannot buy a comparable. Put the date the payment arrives on your calendar; this is the shortest recourse window in the ledger.

The absence of ordinary day counts is verified — paragraph XV was read specifically for numbers and the only one is scoped to health providers under RSA 420-J:8-e. Do NOT apply that 30 days to a total loss. Acknowledgement text, verbatim from XV(2): 'Failing to acknowledge and act promptly upon communications with respect to claims arising under insurance policies'. Note that the Department requires a licensee to respond to IT within ten business days of a complaint, which is a faster route to a written answer than a letter.

The qualifier is a CULPABILITY test rather than a frequency one, which is unusual and favorable: the statute reaches conduct 'committed without just cause and not merely inadvertently or accidentally'. That is not the general-business-practice requirement found in Arizona, Pennsylvania, Virginia, South Carolina and Connecticut — a single deliberate act can qualify, provided it was not inadvertent. The pinpoint characterization of that phrase as requiring a pattern appeared in the source's commentary and is NOT adopted here; the quoted statutory words are what this row relies on.

THREE years for personal actions. The retrieved text does not state in terms whether a contract action on an insurance policy falls within this section or under a separate provision, so confirm before relying on three years. Three years would put New Hampshire among the shortest in the ledger with Maryland, North Carolina, Colorado, South Carolina and Mississippi, and against the state's unusually generous 20-day reconsideration right it is a sharp contrast worth flagging to a claimant.

Online and printable complaint forms are linked from this page. By law (RSA 400-A:16 II) the insurer must respond to the Department within ten business days of receipt. Consumer Services: 800-852-3416, consumerservices@ins.nh.gov.

The regulator's name as it appears on its own complaint page.