It is illegal to drive without car insurance in New Hampshire. The state of New Hampshire requires its drivers to carry appropriate amounts of automobile insurance, in order to legally operate a motor vehicle in New Hampshire. The State of New Hampshire applies car insurance as a form of financial responsibility. insurancemozo.com understands the value of important information necessary to find the Best New Hampshire Car Insurance for you.
What are the minimum New Hampshire Car Insurance Requirements?
The statutory minimum limits of liability insurance in New Hampshire are 25/50/25 and that mean:
$25,000 liability coverage per person for injury
$50,000 liability coverage per accident for injury
$25,000 for property damage liability (damage to buildings, traffic signs or other party vehicles)
New Hampshire currently requires an SR-22 filing to reinstate a driver’s license. SR-22 is a document that is required to be filed with a state’s DMV as proof that the minimum liability coverage for the state is being carried.
Is New Hampshire a tort State?
Yes, New Hampshire is a tort State. This means that if a driver is found to be at fault in an accident s/he may have to pay the charges for other driver’s medical expenses as well for any damage to his/her vehicle. Second party can also claim money for lost wages and his/her sufferings.
Is UM/UIM protection required in New Hampshire?
Some, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage may protect the driver when an accident occurs and the other party does not have auto insurance.
The State of New Hampshire current require UM/UIM coverage at limits equal to your Liability coverage.
What kind of car insurance discounts is available in New Hampshire?
To find the most affordable car insurance in New Hampshire, various kind of car insurance discounts are available and among them few are mentioned here like Passive restraint discount, Drive safe and save discount, Multiple line discount, Safe driver discount etc. which may be available in New Hampshire as these discounts may vary from state to state and from provider to provider.
Should I buy PIP (Personal injury protection) and Medpay?
PIP stands for personal injury protection which means that car insurance available in some U.S. states that covers medical expenses, funeral expenses, rehabilitation, lost wages and other damage of those injured in an accident, regardless of who is at fault. Passengers who own their own cars collect under their own policies. This type of car insurance coverage varies by state and depends upon policy provisions.
If you buy auto insurance for personal use, you must also buy Medical Payments Coverage. The State of New Hampshire current require drivers to buy at least $1000 of medical payments coverage pays for medical expenses incurred as a result of an automobile accident regardless of who is at fault.
How do I get a best car Insurance Quote in New Hampshire?
Your best option to find the best and cheap car insurance coverage in New Hampshire is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE cheap auto insurance quotes.
Official websites links:
To find the best and cheap New Hampshire Car Insurance, go through the given official website links:
New Hampshire Department of Motor vehicles: www.nh.gov
New Hampshire Department of Insurance: www.nh.gov/insurance
New Hampshire Department of Insurance at:
21 South Fruit Street, Suite 14
Concord NH 03301
Phone: (603) 271-7973
