On Jan. 8, 2025, the New Hampshire General Court signaled the beginning of the 2025 legislative session. With this came the introduction of H.B.434, a new bill that would amend RSA 264:18, which if passed, promises significant relief and convenience for consumers navigating the aftermath of accidents. The bill, sponsored by Rep. Stephen Pearson, R-13, would require that an insurance carrier must cover the cost of a rental car for at least seven days when the insured vehicle is deemed totaled or unsafe to operate, provided the policyholder is not at fault for the accident.
Outlined in the text of the bill are the updated rental coverage obligations for insurance companies, stating that they must include this extended rental vehicle coverage in policies issued under RSA 264:14 for vehicles registered or primarily garaged in New Hampshire.
In the aftermath of an accident in which this rental coverage would apply, the rental vehicle—which the policyholder can select from a regional or national rental car company—would need to be available to the policyholder for at least seven days. The rental coverage would apply upon a determination by the insurance company or its agent that the insured vehicle is totaled or unsafe after an accident. Any determination of non-fault status will rely on either a police report or the insurance company’s decision, whichever comes first.
Overall, this bill addresses consumer protection by ensuring individuals are not left without transportation after an accident for which they are not at fault. By ensuring policyholders have access to a rental car for a significant period post-accident, it provides them with greater peace of mind and the flexibility they need to find a suitable replacement vehicle without rushing.
For insurance agents, the legislation presents an opportunity to enhance customer satisfaction and loyalty by aligning services more closely with consumer needs. This measure balances fairness and practicality, fostering a more supportive and equitable experience for both consumers and the insurance industry.
This legislation has been assigned to the Commerce and Consumer Affairs Committee. PIANH will continue to monitor H.B.434 as it continues to move through the legislative process.

Danielle Caswell, Esq.
Danielle Caswell joined PIA Northeast as associate counsel in the Government & Industry Affairs Department in 2023. She earned her bachelor’s degree from New York University and her law degree from Brooklyn Law School with a particular focus on intellectual property, information, and media law. Prior to joining PIA, Danielle was an associate at a law firm in New York City where she focused primarily on intellectual property and entertainment-related transactional and litigation matters.