Delaney Simchuk, Car Insurance Writer
Uninsured motorist insurance in New Hampshire covers your medical expenses after an accident caused by a driver who does not have car insurance. In NH, uninsured motorist insurance (UM) also includes underinsured motorist insurance (UIM), so you are covered for accidents with drivers who have some insurance but not enough. UM/UIM insurance is only applicable if you are not at fault and will only pay up to your policy’s limits.
In New Hampshire, you are required to have at least $25,000 in uninsured motorist bodily injury coverage (UMBI) per person and $50,000 per accident.
What Uninsured Motorist Insurance Covers in New Hampshire
- Medical expenses for you and your passengers
- Loss of income
- Funeral expenses
- The remainder of your bills if the at-fault driver had insurance but not enough to cover the total cost of the accident (underinsured motorist)
To learn more, check out WalletHub’s guide to uninsured motorist coverage.
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