New Hampshire Auto Insurance Minimums
New Hampshire is one of the only states which you don’t have to buy New Hampshire auto insurance to legally drive. However if you have a at-fault accident the
New Hampshire DMV
may require you to post a bond and cash equal to the damage you cause. You must also then satisfy the
New Hampshire DMV
Finical Responsibility requirements, which include forcing you to purchase the minimum amounts of insurance. If you choose to purchase insurance you must purchase the minimum amounts which include bodily injury liability, property damage liability and uninsured motorist insurance.
- Bodily Injury Liability
If you choose to purchase bodily injury liability you must purchase at least $25,000 per person and $50,000 per accident. This covers injuries to others if you are found at fault for the accident, up to your liability amount. You may increase this amount in order to fully protect yourself.
- Property Damage Liability
This coverage covers all property you damage (other person’s car) up to your liability amount. It does not cover damages to your car. For that protection you will need
comprehensive and collision
. Just like bodily injury, you can increase this amount to fully protect yourself. Increasing these amounts will increase your premiums, and to see how much they will increase get a
New Hampshire auto insurance quotes
- Uninsured Motorist Insurance
The last thing you need is uninsured motorist insurance. This coverage protects you when you get into an accident with a motorist who doesn't have insurance. Instead of you having to waste your time and money by suing the driver, your insurance company covers the damages, and then takes the uninsured motorist to court.
New Hampshire is one of only three states that do not require auto insurance to drive. However it is recommended in order to fully protect yourself that you do elect to purchase auto insurance
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