New Hampshire § 417-A-5 - Section 417-A:5 Cancellation, Refusal to Renew, Notice.

§ 417-A-5. Section 417-A:5 Cancellation, Refusal to Renew, Notice.

No cancellation or refusal to renew by an insurer of a policy of automobile insurance shall be effective unless the insurer or its agent either physically delivers or mails to the named insured, at the address shown in the policy, a written notice of the cancellation or refusal to renew or electronically delivers to the named insured a written notice of cancellation or refusal to renew. Such notice shall: I. Be approved as to form by the insurance commissioner prior to use. II. State the date on which such cancellation or refusal to renew shall become effective. The effective date shall not be less than 45 days after the date the notice is mailed or physically or electronically delivered to the named insured provided however, the effective date may be 10 days from the date of mailing or physical or electronic delivery when: (a) The policy is being cancelled or not renewed for nonpayment of premium, provided that nonpayment notices shall not be issued until nonpayment has occurred; or (b) The policy is not a renewal policy and the cancellation notice is mailed or delivered within 60 days of the policy's effective date and the insurer otherwise complies with all laws and rules related to cancellation of automobile insurance. III. State the specific reason or reasons of the insurer for cancellation or refusal to renew. IV. Advise the insured that the insured has the right to request that the insurance commissioner review the insurer's decision to cancel or not renew the policy. This notice shall advise the insured that in order to request the commissioner's review of the cancellation or nonrenewal, the insured must send a written request to the commissioner within 10 days of receiving the insurer's notice of cancellation or nonrenewal. The insurer shall also provide in the notice, the phone number and mailing address of the New Hampshire insurance department. V. In case of an automobile policy, in the notice advise the insured of eligibility for insurance through the automobile reinsurance facility.