New Hampshire Revised Statutes
N.H. Rev. Stat. Ann. § 264:14 (2026)
Policy; Form
✓ current as of May 2026
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264:14 Policy; Form. –
I. No motor vehicle liability policy, as defined in RSA 259:61, shall be issued with respect to any motor vehicle registered or principally garaged in this state, until a copy of the form of the policy has been on file with the insurance commissioner for at least 30 days, unless during that period the insurance commissioner shall have approved in writing the form of the policy, nor shall such policy be issued if the insurance commissioner notifies the insurance company in writing that, in his opinion, the form of the policy does not comply with the laws of the state. Notification of his approval or disapproval shall be given in writing within said period. The insurance commissioner shall approve a form of policy which contains the name and address of the insured, a description of the vehicles covered, with the premium charges therefor, the policy period, the limits of liability as between the insured and the insurance company, and an agreement that insurance is provided in accordance with and subject to the provisions of this chapter. The policy may provide that the insured, or any other person covered by the policy, shall reimburse the insurance carrier for payment made on account of any loss or damage claim or suit involving a breach of the terms, provisions or conditions of the policy; and further, if the policy shall provide for limits in excess of the limits specified in this chapter, the insurance carrier may plead against any plaintiff, with respect to the amount of such excess limits of liability, any defenses which it may be entitled to plead against the insured, and any such policy may further provide for the prorating of the insurance thereunder with other applicable valid and collectible insurance.
II. In the event that a company or filing or rating organization eliminates or reduces coverages, conditions or definitions in its policies issued under this section other than at the request of a policyholder, the company must attach to the policy a printed notice in each such policy explaining clearly what coverages, conditions or definitions have been eliminated or reduced. If explanations of such reduced or eliminated coverages are not contained in the printed notice attached to its policies, then such coverages, conditions or definitions shall remain in full force and effect without such reductions or eliminations. The requirements of this section shall apply only to such policies renewed or endorsed with the same company.
I. No motor vehicle liability policy, as defined in RSA 259:61, shall be issued with respect to any motor vehicle registered or principally garaged in this state, until a copy of the form of the policy has been on file with the insurance commissioner for at least 30 days, unless during that period the insurance commissioner shall have approved in writing the form of the policy, nor shall such policy be issued if the insurance commissioner notifies the insurance company in writing that, in his opinion, the form of the policy does not comply with the laws of the state. Notification of his approval or disapproval shall be given in writing within said period. The insurance commissioner shall approve a form of policy which contains the name and address of the insured, a description of the vehicles covered, with the premium charges therefor, the policy period, the limits of liability as between the insured and the insurance company, and an agreement that insurance is provided in accordance with and subject to the provisions of this chapter. The policy may provide that the insured, or any other person covered by the policy, shall reimburse the insurance carrier for payment made on account of any loss or damage claim or suit involving a breach of the terms, provisions or conditions of the policy; and further, if the policy shall provide for limits in excess of the limits specified in this chapter, the insurance carrier may plead against any plaintiff, with respect to the amount of such excess limits of liability, any defenses which it may be entitled to plead against the insured, and any such policy may further provide for the prorating of the insurance thereunder with other applicable valid and collectible insurance.
II. In the event that a company or filing or rating organization eliminates or reduces coverages, conditions or definitions in its policies issued under this section other than at the request of a policyholder, the company must attach to the policy a printed notice in each such policy explaining clearly what coverages, conditions or definitions have been eliminated or reduced. If explanations of such reduced or eliminated coverages are not contained in the printed notice attached to its policies, then such coverages, conditions or definitions shall remain in full force and effect without such reductions or eliminations. The requirements of this section shall apply only to such policies renewed or endorsed with the same company.
Source. 1937, 161:4, 16. 1941, 198:5. RL 122:4, 15. 1951, 96:1. RSA 268:4, 15. 1957, 305:8. 1967, 284:1. 1981, 146:1; 349:3, 4. 1988, 77:1, eff. Jan. 1, 1989.
Notes of Decisions
Cited in 15
cases, 1987–2019 · leading case: Dionne v. City of Manchester, 589 A.2d 1016 (N.H. 1991).
Dionne v. City of Manchester, 589 A.2d 1016 (N.H. 1991). “Our disposition of this case requires interpretation of RSA 264:15, I (1982), applicable at the time of this accident, which provided, in pertinent part: “No policy shall be issued or delivered in this state, under the provisions of RSA 264:14, with respect to a vehicle…”
Trombley v. Liberty Mut. Ins., 813 A.2d 1202 (N.H. 2002). “See RSA 264:14, :15 (1993). The trial court, therefore, granted the petition for declaratory judgment and found coverage in favor of the petitioner.”
Warner v. Clarendon Ins., 910 A.2d 1171 (N.H. 2006). “Warner argues that STAR-7, when read in conjunction with STAR-3, creates the same sort of ambiguity that exists between STAR-2 and STAR-3 and that, in any event, STAR-7 is a “step-down” provision that violates both RSA 264:14, II (2004) and RSA 264:18, VI (2004).”
Matarese v. New Hampshire Mun. Ass'n Prop.-Liab. Ins. Trust, Inc., 791 A.2d 175 (N.H. 2002). “*402 The New Hampshire Uninsured Motorist statute reads, in pertinent part, as follows: No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental…”
Rivera v. Liberty Mut. Fire Ins., 44 A.3d 498 (N.H. 2012). “Our uninsured motorist statute provides, in pertinent part: No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally garaged in this *608 state, unless coverage is provided therein or supplemental thereto at least in…”
Turner v. St. Paul Prop. & Liab. Ins., 676 A.2d 109 (N.H. 1996). “RSA 264:15, I, provides: No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally *29 garaged in this state unless coverage is provided therein or supplemental thereto at least in amounts or limits prescribed for bodily…”
Ellis v. Royal Ins., 530 A.2d 303 (N.H. 1987). “RSA 264:15,1, provides as follows: “No policy shall be issued or delivered in this state, under the provisions of RSA 264:14, with respect to a vehicle registered in this state unless coverage is provided therein or supplemental thereto at least in amounts or limits prescribed…”
Wegner v. Prudential Prop. & Cas. Ins., 803 A.2d 598 (N.H. 2002). “Section I of RSA 264:15 provides, in part: *109 No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto at least in amounts or limits…”
Swain v. Employers Mut. Cas. Co., 845 A.2d 1239 (N.H. 2004). “New Hampshire’s uninsured motorist statute, RSA 264:15,1, provides in pertinent part: *577 No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental…”
Bouffard v. State Farm Fire & Cas. Co., 27 A.3d 682 (N.H. 2011). “The plaintiff contends that the trial court erred in interpreting and applying RSA 264:15, which, in pertinent part, provides: No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally garaged in this state unless coverage…”
Gisonni v. State Farm Mut. Auto. Ins., 687 A.2d 709 (N.H. 1996). “unless coverage is provided therein or supplemental thereto at least in amounts or limits prescribed for bodily injury or death for a liability policy under this chapter, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or…”
Santos v. Metro. Prop. & Cas. Ins. Co., 201 A.3d 1243 (N.H. 2019). “At the time of the accident in this case, that statute provided in pertinent part that: No policy shall be issued under the provisions of RSA 264:14, with respect to a vehicle registered or principally garaged in this state, unless coverage is provided therein or supplemental…”
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