Section Ins 1002.13 - Loss of Use In all motor vehicle property damage liability claims when liability has become clear the insurer shall immediately inform the claimant that coverage exists for the rental of a motor vehicle that is of like kind and quality for the time period necessary for repair, provided however that the insurer:
(a) Not be required to provide coverage for that portion of the motor vehicle rental that the insurer establishes is required due to an unreasonable delay in the repair caused by the direct action or inaction of the claimant.(b) Document the basis for the finding of unreasonable delay pursuant to (a) above in the claim file.(c) Be able to deduct the costs that would have been incurred in the operation of the claimant's own motor vehicle from the total costs of renting and operating the rented motor vehicle. If the claimant does not have insurance coverage as required by the rental company, the insurer shall pay the reasonable cost of the required coverage.(d) Specifically document the claim file with evidence to show that a rental was offered to the claimant.N.H. Admin. Code § Ins 1002.13
Amended by Volume XXXV Number 45, Filed November 12, 2015, Proposed by #10962, Effective 10/26/2015, Expires 10/26/2025.