New Hampshire law
Insurance Disputes Laws in New Hampshire.
New Hampshire insurance law includes the Unfair Insurance Trade Practices Act (RSA Chapter 417) with enforcement through the Department of Insurance. New Hampshire does NOT recognize a private cause of action under the UITPA — enforcement is by the Commissioner. New Hampshire recognizes common-law bad faith based on breach of the implied covenant of good faith and fair dealing. Third-party insurer bad-faith failure to settle within policy limits is actionable. New Hampshire Consumer Protection Act (RSA 358-A) may also apply to certain insurance disputes.
Last verified: 2026-04-17
State law
Key New Hampshire Statutes
Prohibits specified unfair claim settlement practices. Enforcement through the Department of Insurance — no private cause of action.
New Hampshire recognizes common-law bad faith based on breach of the implied covenant of good faith and fair dealing. Damages include consequential damages beyond policy limits in appropriate cases.
The NH Consumer Protection Act may apply to certain insurance transactions. Enhanced remedies include doubling or trebling of damages for willful conduct plus attorney fees.
New Hampshire requires UM/UIM coverage at the same limits as liability coverage (or at specified minimums).
State law
Official Sources
Not Legal Advice
This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in New Hampshire.
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