prohibiting insurance companies from considering the driving record of household members not covered by the motor vehicle insurance policy when establishing policy premiums.

HB 1486 prohibits New Hampshire insurance companies from increasing premiums or imposing other penalties based on the driving record of household members (like spouses) not covered under a motor vehicle insurance policy. It specifically prevents insurers from penalizing policyholders due to a spouse's DWI conviction, license suspension, or other driving violations unless that person is named on the policy. The bill makes any policy terms violating this provision void and unenforceable, while allowing insurers to consider the driving record of named insureds or listed drivers. The law takes effect January 1, 2027.