New Hampshire Laws

1. New Hampshire does not require drivers to carry auto liability insurance policies, however, you may be forced to carry liability insurance if you have:

• Been involved in an accident.

• A conviction for driving under the influence of alcohol or drugs.

• Multiple reckless driving convictions.

• A traffic violation conviction that triggers a review.

2. If you have any of the above, the state will require you to carry the following types of Personal Injury and Property Damage insurance:

• $25,000 of coverage for injuries or death occurring to one person in an accident.

• $50,000 of coverage for injuries or deaths occurring to more than one person in an accident.

• $25,000 of property damage coverage per accident.

3. To prove that you're covered by acceptable levels of protection, you'll need to show your insurance certificate or identification card. If you have no proof of insurance due to you not having a current policy, your license and registration could be suspended.

4. New Hampshire follows a Tort system. This means that the state of New Hampshire does not require its drivers to purchase Personal Injury Protection (PIP) coverage nor Uninsured/Underinsured Motorist coverage (UN/UIM).

5. The statute of limitations is the period for which you are eligible to file the insurance claim and lawsuit. If it expires, you lose the benefits that you deserve to obtain from the party responsible for causing the car accident. You can file a personal injury claim within 3 years of the car accident, and a property damage claim within 3 years.

6. New Hampshire adopts a proportional comparative fault at 51 percent. This means that the party which is 51% or more responsible for causing the accident is not eligible to file the claim for damage.

Related Topics:

• New Hampshire Laws

• Process of Filing an New Hampshire Car Accident Claim

• Damages you can Recover

• Disputing a Claim

• New Hampshire Car Accident Facts