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    Massachusetts v. New Hampshire: Key Insurance Law Differences

    New Hampshire and Massachusetts share similar histories, but over time their laws have become different. One in particular is the Massachusetts’ consumer protection act (M.G.L 93A) and its sister law M.G.L 176D which regulates the practice of insurance in the state. The big key difference is that the Massachusetts’ consumer protection statute applies to insurance companies conducting business in the Commonwealth, while New Hampshire’s supreme court decided that New Hampshire’s consumer protection statute (RSA 358-A) does not apply to insurance companies. This was a frustrating Court decision that has had significant ramifications on people of New Hampshire being injured by unreasonable and unsupportable insurance practices. In Massachusetts, M.G.L 93A provides that if an insurance company violates M.G.L 176D, then the injured party (the Plaintiff in…

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    The Exclusivity Rule in Worker’s Compensation

    After you’ve been injured at work, you likely have many questions. You may have heard of the Exclusivity Rule in worker’s compensation but have questions about the rule. You may have questions about the way your worker’s compensation claim is moving forward. What is the Exclusivity Rule, and how does it affect your worker’s compensation claim? By law, accidental injuries which occur at work must exclusively be brought under the worker’s compensation statute. This requirement to bring these claims as worker’s compensation cases is called the Exclusivity Rule. The Exclusivity Rule means that claims based on a work-related injury that could be brought against an employer or coworker are barred, except in very limited circumstances, and thus the “exclusive” remedy is in workers’ compensation. This…

  • New Hampshire Product Liability Law: Design Defects, Warnings & Legal Time Limits

    Product liability refers to the legal responsibility of manufacturers, distributors, retailers, and others in the supply chain for injuries or damages caused by a product. In New Hampshire, as in many states, there are statutes and case law that shape how product liability claims work. This blog explains the framework, important concepts, time limits, defenses, and recent developments in NH product liability law. What Is a Product Liability Action? Under New Hampshire law (RSA Chapter 507‑D, “Product Liability Actions”), a product liability action is broadly defined. It includes any lawsuit for injury, death, property damage, or other harm that arises from: Types of Defects Claims generally fall into a few categories of defect: Time Limits (Statute of Limitations) One of the critical issues in product liability…

  • What Did You Put in My Pumpkin Spice Latte?

    It is October, so it’s Pumpkin Spice Latte time. But what happens when that Pumpkin Spice Latte contains a plastic piece that enters your bowels? Or if the Pumpkin Spice latte has peanut butter in it and you are allergic? Severe injuries from eating food are generally not common. Sometimes a chipped tooth can happen, which while frustrating, is often a relatively easy fix at the dentist. Likewise, if a sharp tortilla chip slices your gum, it’s annoying, but doesn’t lead to long term damage. There are two general types of more severe injuries that come from food borne issues. The first is when a foreign object is in your food that should not be there. Generally, the law recognizes that certain foods will have…

  • Homeowner’s Insurance and the Christmas Invader

    Jimmy was home Christmas eve when he was woken up after midnight by his dog barking. He went downstairs and it looked like a burglar was in his house. He turned on the light, and his dog lunged at the intruder. A plate of cookies and milk spilled everywhere, and the burglar (wearing bright red and looking on the older side), jumped away from the dog. He shouted something like “HO HO, OH NO!” before tripping over the shoes Jimmy left in the hallway. Jimmy heard an audible “snap”, and the old man shouted in pain. Jimmy called the police, but when they came the old man had left. However, he had left a note that Jimmy would be hearing from his lawyer as he…

  • Spoliation: Top Five reasons you have to preserve evidence

    You have been injured, and you are not sure what happened. Maybe you slipped on something in a grocery store, or maybe there was a mechanical failure in an ATV or snowmobile, and now you are in the hospital unsure of what to do. If you find yourself in this situation, here are the top five reasons to preserve evidence: Because you need to know what happened! Beyond your legal case, it is important to try to preserve evidence when injured so you can find out what happened to you. Even if you are not able to bring a lawsuit for your injuries, knowing how and why you were hurt can provide peace of mind. Because you have a duty to preserve it! Once you…