Do you have uninsured motorist coverage?  If you have liability coverage for your vehicle, then you do.  New Hampshire law requires that all automobile policies include uninsured motorist coverage in the same amount as liability coverage.  See RSA 264:15.  The reason for this is to protect people who are injured by drivers with no or inadequate insurance.  If you are injured in an accident and the other person has no insurance, or his insurance does not cover all of your damages, you may be able to recover from your own insurance company.