![]() There are two types from which to choose: bodily injury liability coverage and property damage liability coverage. Auto Liability Cover age – This gives you coverage of expenses accrued from an auto accident that is your fault.The following are the types of auto insurance available for purchase in New Hampshire: What Coverage Is Available In New Hampshire? $50,000 if two or more people are hurt in an accident.$25,000 for bodily injury or death of one person.If you decide to purchase liability insurance, it is required to meet the following minimums for an accident where the owner of the insured vehicle is at fault: Liability Coverage will not cover any costs associated with damage to your own vehicle. Liability Coverage covers the costs for damages that you are legally liable to pay. If you wish to learn whether enough time has passed for you to be relieved of your requirement to file proof of insurance, you should contact the Bureau of Financial Responsibility. To file proof of insurance, you'll want to talk to an insurance representative to help you through the process. You will be required to purchase a liability plan at the bare minimum. This form guarantees that you will have insurance for the following three years. When you are required to have proof of insurance, you fill out the form SR-22. For example, an extension may occur when defaulting a payment agreement or if a judgment is made against the driver.Ī Driver Record Report is an official way to learn whether you are required to file proof of insurance. In some cases, the filing period may be prolonged. Uninsured drivers who cause an accident are required to file proof of insurance for a minimum of three years after an accident.For example, leaving the scene of an accident or two charges of offense Reckless Operation. Certain convictions on a person's record will require them to file proof of insurance.The more DUI cases a person is convicted of, the longer they will need to file proof of insurance. Individuals with a DWI on their record are required to file proof of insurance for three years after the incident.Keep in mind, this is not a comprehensive list of all the instances when proof of insurance is required. In the following circumstances, you are required by law to show proof of insurance. says that in some cases, you will need to show proof of insurance. Indeed, on their website, the New Hampshire Department of Safety states that they strongly recommend that all vehicle owners have liability insurance and property damage insurance. Obviously, it is in your best interests to be covered, so that you don't have to pay out of pocket. You'll have to pay for a rental out-of-pocket also if you need to use one. Without insurance, you are responsible for the repairs to your own automobile as well. Auto insurance in New Hampshire will protect you from going through these situations.Īccording to, if you fail to pay the liable expenses for the accident to the other party, your license could be suspended. Even if you are not at fault in the accident, paying to defend yourself in court adds up. A lawsuit could be brought against you, and you could be required to pay for the damages. Without insurance, in the case of an accident, you are still required to pay the costs associated with bodily injury or property damage. That being said, if you do not purchase insurance, you will need to provide proof that you have enough money to satisfy the New Hampshire Motor Vehicle Financial Responsibility Requirements. The official motto of the state of New Hampshire is "Live free or die." With a motto like that, is it any surprise that New Hampshire does not require every person to have car insurance. In this article, we help you to answer the question, "Do you need car insurance in New Hampshire?" Is Auto Insurance Required in New Hampshire? Regardless, it is always a good idea to stay covered. You technically don't have to have insurance, but there are exceptions to that rule. New Hampshire is different than most states.
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