New Hampshire car insurance requirements are a lot different than most states as New Hampshire has no mandatory car insurance requirements. In fact, it’s the only state (as of June, 2010) which does not require drivers to have a car insurance policy although the law is not as simple as this statement as serious consequences can come from driving with no insurance.
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What are New Hampshire Car Insurance Laws?
In a nutshell, drives are not required to take out car insurance coverage in New Hampshire however if you are determined to be “at fault” in the event of an accident the State may suspend your driving privileges should you not have financial resources to take responsibility for the damage.
” Just because car insurance is not required does not mean you can operate a vehicle without being held liable for damages “
Remember that car insurance is financial protection for injuries or damages in a car accident and never a waiver of liability from litigation. Even in no-fault car insurance states drivers can still be sued for reckless driving and other reasons. Car accident attorneys exist in all states regardless of the laws as the legal system is full of loopholes where drivers can be held legally responsible for their actions behind the wheel of car.
The tricky part of New Hampshire car insurance happens when drivers opt to purchase a car insurance policy as laws do kick in where you do have to buy a minimum amount of coverage. Essentially, you don’t have to buy car insurance but if you do, you have to buy a minimum amount.
What is the Minimum Car Insurance Coverage I can buy in New Hampshire?
All drivers opting to purchase car insurance in New Hampshire must purchase a policy with the following minimum amounts of coverage:
- $25,000 liability insurance per person for injuries
- $50,000 liability insurance per accidents for all injured persons
- $25,000 property damage insurance
- $1,000 in Medical payments coverage
- Uninsured Motorists Coverage in amounts equal to the liability coverage above
Most New Hampshire drivers opt for car insurance as even without a state requirement to carry a policy the risk of personal liability is far too great.
New Hampshire Car Insurance Companies
Almost all major car insurance companies sell auto insurance coverage to New Hampshire residents and over 100 insurance companies are licensed in New Hampshire including GEICO, Allstate, State Farm and many of the well known brand names. Finding car insurance coverage is very easy but in order to get the best rates its wise to always start a car insurance quotes comparison search online. You should compare policies and car insurance companies by a number of factors including:
- Company Reputation
- Policy Coverage
- Deductibles
- Claims Handling Process
- Available Car Insurance Discounts
- and more
Never just compare any New Hampshire car insurance policy just on premiums as much of the value behind car insurance is in the policy details and premiums often only provide a small insight of the coverage purchased.
New Hampshire Car Insurance Quotes
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