At Plymouth Rock, we do more than just help drivers get auto insurance. We want to help you pick the right policy with the right coverage so you can feel comfortable that you and your loved ones are protected moving forward. Let’s break down the minimum car insurance requirements in New Hampshire.
New Hampshire is one of the few states where auto insurance is not required, but highly recommended. We’ll show you how it works, what it does and, more importantly, what it doesn’t do.
Here are general descriptions of basic auto insurance concepts, and the coverage requirements in New Hampshire. It’s not intended to describe every condition and exclusion of your insurance policy. Consult with your Plymouth Rock agent about your particular needs.
NH state auto insurance requirements
While New Hampshire does not legally require a driver to have auto insurance, there are still minimum limits a policy is required to have. minimum car insurance in New Hampshire
Your auto insurance policy must have Auto Liability Coverage limits of at least $25,000 per person and $50,000 per accident for Bodily Injury (BI), Property Damage coverage limit of $25,000 and at least $1,000 of Medical Payments (MedPay) coverage. Finally, if you buy auto insurance in New Hampshire, you must also purchase Uninsured Motorist (UM) Coverage at limits equal to your Auto Liability Coverage.
So what do all of those coverages mean? Here’s some basic information regarding those coverage limits for New Hampshire auto insurance:
Bodily injury to others (BI)
This protects you against legal liability for the accidental injury or death of others (excluding your passengers) caused by the operation of your car. You need at least $25,000 per-person and $50,000 per-accident for your auto insurance in New Hampshire.
Property damage (PD)
This pays for damage to another person’s property when you, a household member or another authorized driver cause an accident. Typically, this will be another person’s vehicle. There’s a minimum coverage limit of $25,000.
Medical payments (MedPay)
MedPay covers medical expenses for you and your passengers in an accident, no matter who was at fault. It can also cover health insurance deductibles and copays. If you have auto insurance in New Hampshire, you need at least $1,000 of MedPay coverage.
Uninsured motorists (UM)
This protects you, anyone you let drive your car, household members and passengers against losses caused by an uninsured or underinsured driver.
Uninsured drivers are those without insurance, and this also covers unidentified (“hit and run”) drivers as well. An underinsured driver is one who has liability insurance, but not enough to cover your injuries or damages. Your UM limits must be equal to your Auto Liability Coverage, so a minimum limit of $25,000 per-person and $50,000 per-accident is required for auto insurance in New Hampshire.
Proof of insurance
There are some cases when you’re required to carry insurance by the New Hampshire DMV. If you’ve been convicted of certain offenses like driving while intoxicated (DWI) or if you’ve been at fault for an accident while you were uninsured, you may be required to carry Proof of Insurance (SR-22 certificate) for at least three years to maintain your license.
Read more about New Hampshire’s Proof of Insurance requirement here.
If you have any additional questions about how New Hampshire auto insurance works or if you’d just like to sit down and speak to someone about your own situation in more detail, please don’t delay – contact Plymouth Rock today.
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