NEW HAMPSHIRE AUTO INSURANCE & CRASH LAW
New Hampshire Auto Insurance & Crash Law
A practical public-interest guide to New Hampshire automobile insurance, crash claims, coverage, fault, damages, deadlines and settlement.
NEW HAMPSHIRE RESEARCH LIBRARY
Current 22-Topic Library
Use these issue pages as the current VictimsGuide navigation for New Hampshire. The state hub remains the permanent doorway into the jurisdiction.
02
New Hampshire Financial Responsibility, 25/50/25 Minimums & When Insurance Is Required
05
New Hampshire MedPay, $1,000 Minimum, Three-Year Expense Window & Health-Insurance Coordination
06
New Hampshire UM/UIM, Underinsured-Vehicle Definition, Matching Liability Limits & Umbrella/Excess Coverage
08
New Hampshire Insurance Policy Interpretation, Statutory Required Provisions & Minimum-Limit Protection
17
New Hampshire Government Vehicle Crashes, 180-Day State Notice, 60-Day Municipal Notice & Immunity
19
New Hampshire Crash Investigation, Evidence Preservation, Three-Year Limitation & Discovery Rule
New Hampshire Auto Insurance & Crash Law
VictimsGuide’s New Hampshire library organizes the rules that matter after a serious motor-vehicle crash: financial-responsibility requirements, medical-payments coverage, uninsured and underinsured motorist protection, claims handling, employer and commercial coverage, government claims, comparative fault, damages, settlement, liens, subrogation and controlling case authority.
New Hampshire rules to identify early
- Insurance is not universally compulsory: New Hampshire does not require every driver to carry liability insurance, but drivers subject to the financial-responsibility law and drivers who purchase liability insurance must satisfy statutory requirements.
- Minimum liability framework: when financial responsibility is required, the minimum liability limits are generally 25/50/25.
- UM/UIM: policies issued under RSA 264:14 generally must include uninsured-motorist coverage matching bodily-injury liability limits, and higher liability limits generally produce matching UM limits unless permitted statutory treatment applies.
- Comparative fault: recovery is allowed when claimant fault is not greater than the combined fault of defendants; damages are reduced proportionally.
- Settlement warning: releases involving bodily injury that may implicate UM coverage must contain the statutory warning concerning possible forfeiture of UM benefits.
Preserve the complete policy, MedPay and UM/UIM endorsements, crash report, photographs, video and electronic evidence, and investigate household, employer, commercial, umbrella and excess coverage before signing a release.
Current-law review: September 17, 2026. Verify current New Hampshire statutes, Insurance Department guidance, appellate authority and the policy actually issued before relying on this educational guide.
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