No, uninsured motorist coverage is not required in New Hampshire, as it is a rare state that allows most residents to drive without insurance. If a driver chooses to purchase car insurance, however, then they are required to have at least $25,000 in uninsured motorist bodily injury coverage per person (up to $50,000 per accident). Drivers who purchase coverage must also have at least $25,000 in underinsured motorist bodily injury coverage per person (up to $50,000 per accident).
Drivers in New Hampshire are also required to have insurance or otherwise prove financial responsibility if they’ve recently had an at-fault accident or been convicted of a serious moving violation, like DUI or vehicular assault. There are two ways for New Hampshire drivers to prove financial responsibility. The first is to purchase a car insurance policy that meets the state’s coverage requirements. Alternatively, drivers have the option to make a deposit with the state DMV that is equal in value to the minimum coverage limits, including the required amount of uninsured motorist insurance.
Why Uninsured Motorist Insurance Is Worthwhile in New Hampshire
Uninsured/underinsured motorist coverage helps pay for a car accident if the at-fault driver doesn’t have enough insurance. Normally, the at-fault driver’s liability insurance pays for any property damage or injuries they caused. But if the other driver doesn’t have enough coverage, it can be time-consuming and difficult to sue them for funds to cover any bills. That’s where uninsured/underinsured motorist insurance can help save drivers time and money.
Because New Hampshire allows drivers to go uninsured, it’s estimated that 10% of drivers in the state don’t have car insurance. This gives you a 1 in 10 chance that the other driver won’t have insurance if you get into an accident. Car accidents in New Hampshire can be extremely expensive, too. For example, fatal accidents in New Hampshire cost a total of $202 million in 2018, the latest year with CDC data.
Key Facts About Uninsured Motorist Coverage in New Hampshire
Minimum Uninsured Motorist Bodily Injury Per Person: $25,000
Minimum Uninsured Motorist Bodily Injury Per Accident: $50,000
Minimum Underinsured Motorist Bodily Injury Per Person: $25,000
Minimum Underinsured Motorist Bodily Injury Per Accident: $50,000
Uninsured Drivers on the Road: 10%
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