requiring proof of insurance or adequate financial responsibility for vehicle registration.

HB 1558 requires drivers in New Hampshire to provide proof of insurance meeting minimum coverage limits (as defined in RSA 264:20) or a financial responsibility certificate (like a surety bond) at the time of vehicle registration. It directly affects all vehicle owners registering or renewing registration in the state. The key provision mandates immediate suspension of a driver’s license and registration if they cannot show proof during a lawful traffic stop. The bill takes effect January 1, 2027, and modifies existing law to enforce financial responsibility before accidents occur, rather than solely after.