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RSA 412:13 · Competitive Market

Title: XXXVII: INSURANCE
Chapter: 412 · REGULATION OF FORMS AND RATES FOR PROPERTY AND CASUALTY INSURANCE
Status: current
Official source linked: Yes

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412:13 Competitive Market. – A competitive market is presumed to exist unless the commissioner, after hearing, determines that a reasonable degree of competition does not exist in the market and the commissioner issues a ruling to that effect. Such ruling shall expire no later than 2 years after issue unless the commissioner renews the ruling after hearings and a finding as to the continued lack of a reasonable degree of competition. In determining whether a reasonable degree of competition exists, the commissioner shall consider relevant tests of workable competition pertaining to market structure, market performance and market conduct and the practical opportunities available to consumers in the market to acquire pricing and other consumer information and to compare and obtain insurance from competing insurers as further described in RSA 412:14. Source. 2003, 150:1, eff. Jan. 1, 2004. 2019, 101:1, eff. Aug. 20, 2019.

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Source note

Source. 2003, 150:1, eff. Jan. 1, 2004. 2019, 101:1, eff. Aug. 20, 2019.

Source history

2003, 150:1, eff. Jan. 1, 2004
2019, 101:1, eff. Aug. 20, 2019

Related materials

Bill relationships

2026 HB1064 reference · effective 2027-01-01
y municipal subdivision thereof, including any county, city, town, school district, school administrative unit or other district, to procure the policies of insurance described in RSA 412 or participate in pooled risk management, or self-insurance, pursuant to RSA 5-B. In any action against the state or any municipal subdivision thereof to enforce liability on account of a risk so insured against, the in
2026 HB1064-FN reference · effective 2027-01-01
y municipal subdivision thereof, including any county, city, town, school district, school administrative unit or other district, to procure the policies of insurance described in RSA 412 or participate in pooled risk management, or self-insurance, pursuant to RSA 5-B. In any action against the state or any municipal subdivision thereof to enforce liability on account of a risk so insured against, the in
2026 HB1197 amend · effective 2027-01-01
ance Trade Practices. Amend RSA 417:4, IX(b)(15) to read as follows: (15) The rebate of all or part of a producer's commission on the sale of commercial insurance as defined in RSA 412 provided the insurer expressly provides for such rebate in its rate filings [approved by the commissioner] and the reduction of the commission is not disclosed to the insured either directly or indirectly; 17 Public A
2026 HB1197-FN amend · effective 2027-01-01
ance Trade Practices. Amend RSA 417:4, IX(b)(15) to read as follows: (15) The rebate of all or part of a producer's commission on the sale of commercial insurance as defined in RSA 412 provided the insurer expressly provides for such rebate in its rate filings [approved by the commissioner] and the reduction of the commission is not disclosed to the insured either directly or indirectly; 17 Public A
2026 HB1353 amend · effective 2027-01-01
t Enacted by the Senate and House of Representatives in General Court convened: 1 New Section; Motor Vehicle Insurance Premium Discounts for Annual Safety Inspections. Amend RSA 412 by inserting after section 16 the following new section: 412:16-a Motor Vehicle Insurance Premium Discounts for Annual Safety Inspections. I. Each insurer writing motor vehicle insurance in this state shall include
2026 HB1486 amend · effective 2027-01-01
Be it Enacted by the Senate and House of Representatives in General Court convened: 1 New Section; Prohibition on Insurance Requirements for Spouses of DWI Offenders. Amend RSA 412 by inserting after section 8 the following new section: 412:8-a Prohibition on Insurance Requirements for Spouses of DWI Offenders. I. No insurer issuing a motor vehicle liability policy in this state shall requi
2026 HB1582 amend
of property owners. The purpose of this act is to prohibit such uses and practices to protect New Hampshire consumers. 2 New Section; Use of Credit Information Prohibited. Amend RSA 412 by inserting after section 15 the following new section: 412:15-a Use of Credit Information Prohibited. I. Notwithstanding any other provision of law, no insurer or insurance producer may use an applicant's or insured
2026 HB1582-FN amend
of property owners. The purpose of this act is to prohibit such uses and practices to protect New Hampshire consumers. 2 New Section; Use of Credit Information Prohibited. Amend RSA 412 by inserting after section 15 the following new section: 412:15-a Use of Credit Information Prohibited. I. Notwithstanding any other provision of law, no insurer or insurance producer may use an applicant's or insured
2026 SB409 reference · effective 2027-01-01
y municipal subdivision thereof, including any county, city, town, school district, school administrative unit or other district, to procure the policies of insurance described in RSA 412 or participate in pooled risk management, or self-insurance, pursuant to RSA 5-B. In any action against the state or any municipal subdivision thereof to enforce liability on account of a risk so insured against, the i
2026 SB409-FN reference · effective 2027-01-01
y municipal subdivision thereof, including any county, city, town, school district, school administrative unit or other district, to procure the policies of insurance described in RSA 412 or participate in pooled risk management, or self-insurance, pursuant to RSA 5-B. In any action against the state or any municipal subdivision thereof to enforce liability on account of a risk so insured against, the i
2026 SB565 amend · effective 2027-01-01
ds, and other mitigation and resiliency programs. Be it Enacted by the Senate and House of Representatives in General Court convened: 1 New Subdivision; Reporting. Amend RSA 412 by inserting after section 14 the following new subdivision: Reporting 412:14-a Reporting. I. To promote awareness of and incentives for fortified homes and commercial property standards, and other mitigation and r
2026 SB565-FN amend · effective 2027-01-01
ds, and other mitigation and resiliency programs. Be it Enacted by the Senate and House of Representatives in General Court convened: 1 New Subdivision; Reporting. Amend RSA 412 by inserting after section 14 the following new subdivision: Reporting 412:14-a Reporting. I. To promote awareness of and incentives for fortified homes and commercial property standards, and other mitigation and r