What does uninsured motorist insurance cover in New Hampshire? This question is about Uninsured Motorist Coverage Guide

What does uninsured motorist insurance cover in New Hampshire?

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This question is about Uninsured Motorist Coverage Guide

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 07/01/22 This answer was first published on 07/01/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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
Hit-and-runs
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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How much car insurance do I need in New Hampshire?

Drivers in New Hampshire need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. New Hampshire also requires MedPay and uninsured motorist insurance. MedPay covers medical expenses for you and your passengers after an accident, and UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.

Here’s How Much Car Insurance Drivers Need in New Hampshire:

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What is the cost of uninsured motorist coverage?

Uninsured motorist coverage costs around $50-$75 annually for bodily injury and property damage coverage. Uninsured motorist coverage (UM) protects the policyholder by paying for injuries or damage resulting from a car accident caused by a driver who doesn’t have enough insurance.

Like any type of car insurance, uninsured motorist premiums vary based on the policyholder’s risk factors. How much coverage you purchase will also affect the cost of UM. Similarly, uninsured motorist premiums are...

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Do I need uninsured motorist property damage in New Hampshire?

Drivers in New Hampshire do not have to carry uninsured motorist property damage (UMPD) insurance, and they are not even given the option to buy it. Instead of UMPD, you can purchase collision insurance, which is an optional type of coverage that pays to repair or replace your vehicle after any accident, regardless of fault.

Uninsured motorist property damage insurance pays to repair or replace your car if you’re involved in an accident caused by an uninsured driver....

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