N.H. Rev. Stat. Ann. » N.H. Rev. Stat. Ann. / Title xxi / Chapter 259
New Hampshire Revised Statutes

N.H. Rev. Stat. Ann. § 259:117 (2026)

Uninsured Motor Vehicle

✓ current as of May 2026
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    259:117 Uninsured Motor Vehicle. – "Uninsured motor vehicle," for the purposes of RSA 264:15, shall mean, subject to the terms and conditions of the coverage required therein, an insured motor vehicle for which the liability insurer is unable to make payment with respect to the legal liability of its insured within the limits specified therein because of insolvency. The term shall also include an insured motor vehicle if and to the extent that, at the time of the subject accident, (1) the applicable liability insurance limits are less than the limits of the uninsured motorist coverage applicable to the insured; or (2) the available liability insurance has been reduced by payments to others injured in the subject accident to an amount less than the limits of the uninsured motorist coverage applicable to the insured.

Source. RSA 268:15-a, II, V. 1967, 284:2. 1969, 485:2. 1970, 37:11. 1981, 146:1; 507:3, eff. Jan. 1, 1982. 2014, 154:1, eff. Jan. 1, 2015.

Notes of Decisions
Cited in 5 cases, 1984–2012 · leading case: Rivera v. Liberty Mut. Fire Ins., 44 A.3d 498 (N.H. 2012).
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Rivera v. Liberty Mut. Fire Ins., 44 A.3d 498 (N.H. 2012). · cites it 3× “Cf RSA 259:117 (2004) (defining “[ujninsured motor vehicle” for the purposes of RSA 264:15 to “mean, subject to the terms and conditions of the coverage required therein, an insured motor vehicle for which the liability insurer is unable to make payment with respect to the legal…”
Descoteaux v. Liberty Mut. Ins., 480 A.2d 14 (N.H. 1984). “T5-a, V (current version recodified at RSA 259:117). The legislature also amended the statute to allow an insured to purchase uninsured motorist coverage up to the limits of his liability coverage.”
Cecere v. Aetna Ins., 766 A.2d 696 (N.H. 2001). “See RSA 264:15, I; RSA 259:117 (1993) (explaining that the phrase “uninsured” includes underinsured).”
Allstate Ins. v. Armstrong, 738 A.2d 1280 (N.H. 1999). “” RSA 259:117 (1993) in part defines “uninsured motor vehicle” as “an insured motor vehicle if and to the extent that, at the time of the subject accident, the limits of liability insurance carried as to such motor vehicle are lower than the minimum limits applicable to motor…”
Anderson v. Fid. & Cas. Co., 594 A.2d 1293 (N.H. 1991). “See RSA 259:117. The uninsured motorist coverage provided must be equal to the liability coverage under the policy.”
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