New Hampshire UM/UIM Stacking Calculator

New Hampshire requires UM equal to your liability limits, treats a driver with too little insurance as uninsured only to the extent of the shortfall, and leaves stacking to your policy wording. Enter your limits, damages and the other driver's coverage to see the stacked and single-limit results.

Cited to RSA 264:15 and 259:117 FigureMyTax Editorial Team Free · no sign-up

Estimate your UM/UIM benefits

Enter your policy limits, your damages and what the other driver's coverage makes available.

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Estimated result
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New Hampshire requires UM equal to your liability limits, treats underinsured drivers as uninsured to the extent of the shortfall, and leaves stacking to your policy

New Hampshire's rules are in RSA 264:15 (UM required and the release warning) and 259:117 (what counts as uninsured). Liability limits are in 259:61, the fault rule in 507:7-d and the deadline in 508:4.

Read how stacked and single-limit coverage differ in New Hampshire, check what the statutes say and leave to your policy, or see how New Hampshire UM covers underinsured drivers.

Injured in New Hampshire?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a New Hampshire attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited New Hampshire statutes. Confirm how these rules apply to your specific case with a licensed New Hampshire attorney.