The state of New Hampshire uses a delict system of auot insurance which implies that someone must be at fault in the occurence of an accident,and the person(s) and their insurance company is liable and accountable for all damages. Take note that this kind of system differs from state to state, and it is advisable to obtain valid information from your state auto insurance regulator.
New Hampshire state auto insurance law does not require Physical or Bodily injury coverage, but you could be required to buy this coverage if you have been in an accident
It is advisable to buy the minimum physical or bodily injury liability coverage, in addition too property damage liability coverage with the required limit of $25,000.
If you buy auto insurance in New Hampshire, you are required to also buy medical coverage and uninsured motorists coverage. The medical coverage takes care of medical payments for you and any passengers in your vehicle.
You are required by law to buy a minimum of $1,000 of medical payments coverage.
Uninsured motorists coverage takes care of you and your family for medical expenses from an accident involved with an uninsured driver. It also covers against injuries caused by insured drivers if their coverage is less than your own.
Who to buy auto insurance from?
Auto insurance can be bought from an insurance agent/producer or from the insurance company.
-Buying from an agent/producer- Most people buy auto insurance through an agent/producer. These agents/producers get commissions on the sales of insurance products.
-Buying
auto insurance from a company- A good number of people also buy auto insurance from a company directly. However some
auto insurance companies have sales agents and representative.
However, no matter where you buy your
auto insurance, be certain that you bought from licenced agents or companies.
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