NH INSURANCE LAWS AND
REGULATIONS EXAM 2025/2026 WITH
100% ACCURATE ANSWERS
License Display - ✔✔ANSWER✔✔-The adjuster must exhibit his license to the an insured, a claimant,
a witness, a
potential witness or any other informant with whom he may deal in the course of investigating
or adjusting any claim.
License Renewal - ✔✔ANSWER✔✔-License will expire on October 1st of the second calendar year
after its issue.
Temporary Adjusters License - ✔✔ANSWER✔✔-In the event of an emergency, the commissioner
may issue a temporary license that is good for one year.
Continuing Education - ✔✔ANSWER✔✔-Every two years, 60 days before renewing their license, an
adjuster must must have completed 20 hours of Continuing Education.
Disciplinary Actions - ✔✔ANSWER✔✔-Cease and Desist Order
Suspension or Revocation
Penalties and Fines
Cease and Desist Order - ✔✔ANSWER✔✔-the Commissioner may issue and serve upon that person
a statement of the charges and a notice of a hearing to be held.
, Notice must be given at least 10 days before the hearing date.
After the hearing, if the Commissioner finds the the adjuster's acts and practices to be in violation of
the law, he will issue a cease and desist order to stop the the method of the adjusters competition,
act or practice.
Penalty for Violating Cease and Desist Order - ✔✔ANSWER✔✔-If any person violates a cease and
desist
order issued by the Commissioner, he may suspend, revoke, or refuse to renew the license of that
person.
The Commissioner may also impose an administrative penalty of up to $2,500 for
each method of competition, act, or practice found to be in violation.
Rebuilding - ✔✔ANSWER✔✔-f the company decides to rebuild or repair the property destroyed or
injured, it shall begin to
do so within 20 days after adjusting the loss.
Neglect of Insurer - ✔✔ANSWER✔✔-If the company neglects to adjust the loss within 15 days after
receiving notice of it, or to begin
to rebuild or repair the property destroyed or damaged within 20 days after the adjustment of
the loss, the insured may proceed to rebuild or repair at the expense of the company,
Notice to Insured - Denial of Coverage - ✔✔ANSWER✔✔-The insurer must provide written notice to
the insured of any denial of coverage.
The notice must inform the insured that any action based upon the denial will be barred by law if not
commenced within 12 months from the date of the written denial
"Uninsured motor vehicle" means a motor vehicle that is: - ✔✔ANSWER✔✔-Not insured under any
insurance policy;
An insured motor vehicle for which the insurer is unable to make payment within the
REGULATIONS EXAM 2025/2026 WITH
100% ACCURATE ANSWERS
License Display - ✔✔ANSWER✔✔-The adjuster must exhibit his license to the an insured, a claimant,
a witness, a
potential witness or any other informant with whom he may deal in the course of investigating
or adjusting any claim.
License Renewal - ✔✔ANSWER✔✔-License will expire on October 1st of the second calendar year
after its issue.
Temporary Adjusters License - ✔✔ANSWER✔✔-In the event of an emergency, the commissioner
may issue a temporary license that is good for one year.
Continuing Education - ✔✔ANSWER✔✔-Every two years, 60 days before renewing their license, an
adjuster must must have completed 20 hours of Continuing Education.
Disciplinary Actions - ✔✔ANSWER✔✔-Cease and Desist Order
Suspension or Revocation
Penalties and Fines
Cease and Desist Order - ✔✔ANSWER✔✔-the Commissioner may issue and serve upon that person
a statement of the charges and a notice of a hearing to be held.
, Notice must be given at least 10 days before the hearing date.
After the hearing, if the Commissioner finds the the adjuster's acts and practices to be in violation of
the law, he will issue a cease and desist order to stop the the method of the adjusters competition,
act or practice.
Penalty for Violating Cease and Desist Order - ✔✔ANSWER✔✔-If any person violates a cease and
desist
order issued by the Commissioner, he may suspend, revoke, or refuse to renew the license of that
person.
The Commissioner may also impose an administrative penalty of up to $2,500 for
each method of competition, act, or practice found to be in violation.
Rebuilding - ✔✔ANSWER✔✔-f the company decides to rebuild or repair the property destroyed or
injured, it shall begin to
do so within 20 days after adjusting the loss.
Neglect of Insurer - ✔✔ANSWER✔✔-If the company neglects to adjust the loss within 15 days after
receiving notice of it, or to begin
to rebuild or repair the property destroyed or damaged within 20 days after the adjustment of
the loss, the insured may proceed to rebuild or repair at the expense of the company,
Notice to Insured - Denial of Coverage - ✔✔ANSWER✔✔-The insurer must provide written notice to
the insured of any denial of coverage.
The notice must inform the insured that any action based upon the denial will be barred by law if not
commenced within 12 months from the date of the written denial
"Uninsured motor vehicle" means a motor vehicle that is: - ✔✔ANSWER✔✔-Not insured under any
insurance policy;
An insured motor vehicle for which the insurer is unable to make payment within the
