Core New Hampshire Statutes

• RSA 264:2 — proof of financial responsibility and minimum 25/50/25 limits when financial responsibility is required.
• RSA 264:15 — uninsured and underinsured motorist coverage and required policy provisions.
• RSA 507:7-d — modified comparative fault.
• RSA 508:4 — general three-year personal-action limitation period.

Leading New Hampshire Decisions

• Green Mountain Insurance Co. v. Bonney, 131 N.H. 762 (1989) — UM coverage equal to liability coverage and limits on anti-stacking provisions.
• Cacavas v. Maine Bonding & Casualty Co., 128 N.H. 204 (1986) — intra-policy stacking and enforceability of clear policy limitations.

New Hampshire does not generally require every vehicle owner to carry liability insurance, but financial-responsibility and policy statutes become critical after specified events and whenever insurance is issued. Check current RSA text, Insurance Department materials, later citing decisions and the actual policy forms.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.