Car insurers would offer discounts for vehicles passing yearly safety checks

Car insurers would file and offer discounts for vehicles that pass a yearly safety inspection. The rule would cover insurers selling car insurance in New Hampshire and their liability, collision, and comprehensive coverage. Insurers would check that the inspection meets state rules before giving a discount. They would support their discount rates with evidence of fewer claims among vehicles that meet inspection standards. Insurers could consider extra repair shop recommendations, but those recommendations would not be required to pass inspection. The proposal set January 1, 2027, as the start date for these rules.

Insurers would not penalize policyholders for declining the proposed inspection discount. This would cover policyholders who skip a yearly inspection and those whose vehicles fail one. A driver whose vehicle fails inspection would be covered if they do not claim the discount. Insurance alone would require no inspections beyond those state law already requires. The proposal set January 1, 2027, as the start date for these protections.