NEW HAMPSHIRE AUTO INSURANCE GUIDE
New Hampshire UM/UIM, Underinsured-Vehicle Definition, Matching Liability Limits & Umbrella/Excess Coverage
New Hampshire requires uninsured-motorist coverage that also reaches qualifying underinsured vehicles and generally matches purchased liability limits. This guide will address minimum and matching limits, the statutory underinsured-vehicle concept, umbrella and excess automobile coverage, rejection rules, insured status, and priority.
Publication review note — September 17, 2026. Verify current RSA 264:15, policy forms, umbrella/excess requirements, rejection rules, and controlling decisions before publication.