Cecere v. Aetna Insurance

The majority negates the effect of RSA 264:15, I, on coverage of an automobile principally garaged in this State by invoking conflict of laws rules to import the Massachusetts law regulating coverage for the risk. The majority finds an implicit choice of law in the policy and finds that, by the nature of the garage policy coverage, all covered risks, or at least in totality the dominant risk, is a Massachusetts risk. From this analysis, the majority insulates the coverage afforded from New Hampshire regulation of a uniquely New Hampshire piece of that risk. I disagree with both the principle…