NEW HAMPSHIRE AUTO INSURANCE GUIDE

Who Is an Insured Under New Hampshire Auto Insurance?

Coverage often depends on whether a person qualifies as an insured under liability, MedPay, uninsured-motorist, underinsured-motorist, umbrella, or excess automobile provisions. This guide will address named insureds, resident relatives, permissive users, occupants, pedestrians, and other persons who may qualify under New Hampshire statutes and policy language.

Publication review note — September 17, 2026. Verify current statutory definitions, policy forms, omnibus provisions, and controlling decisions before publication.