HB 1428 - AS INTRODUCED
2000 SESSION
HOUSE BILL 1428
AN ACT relative to the insurance consumer's bill of rights.
SPONSORS: Rep. DiFruscia, Rock 27; Rep. Belanger, Rock 26; Rep. Keye, Hills 30; Rep. Bruno, Hills 4
This bill establishes the insurance consumer's bill of rights.
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Explanation: Matter added to current law appears in bold italics.
Matter removed from current law appears [in brackets and struckthrough.]
Matter which is either (a) all new or (b) repealed and reenacted appears in regular type.
00-2201
01/09
STATE OF NEW HAMPSHIRE
In the Year of Our Lord Two Thousand
AN ACT relative to the insurance consumer's bill of rights.
Be it Enacted by the Senate and House of Representatives in General Court convened:
1 Statement of Purpose. The general court recognizes that consumers have a right to know and that insurers must be accountable to the consumer and provide all necessary information.
2 New Subdivision; Insurance Consumer's Bill Of Rights. Amend RSA 417 by inserting after section 30 the following new subdivision:
Insurance Consumer's Bill Of Rights
417:31 Insurance Consumer's Bill of Rights. The following shall apply to all insurers governed by title XXXVII:
I. Insurance policies shall be uniform and easily readable for the consumer.
II. Insurers shall disclose in writing to each insured the rights and privileges under the insurance policy and any relevant administrative rules adopted by the commissioner under RSA 541-A.
III. Insurers and the insurance department shall disclose any relevant procedural rights and remedies to the insured. Insurance consumers shall have the right to use legal counsel in any insurance department proceeding.
IV. Insurance agents shall disclose to the consumer any rights and remedies of the insured.
V. Insurers shall disclose to an injured party the amount of insurance coverage that its insured carries.
3 Effective Date. This act shall take effect January 1, 2001.