The state of New Hampshire follows a Tort
system meaning someone must be found to be at fault for causing
the accident, and that person and their insurance company is
responsible for all the damages. You should be aware that the
details of a tort system vary from state to state and it is best
to check with your state insurance regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites.
New Hampshire state law does not require
Bodily Injury Liability coverage, but you may be required to get
this coverage once you have been in an accident. It is advised
that you get at least the minimum coverage for Bodily Injury
Liability, in addition to Property Damage Liability coverage
with a minimum limit of $25,000. This basic coverage is often
referred to as 0/0/25 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. While New Hampshire state
law does not require a minimum Personal Injury Protection, some
insurers offer this as an optional coverage.
Additionally, you can get
Uninsured/Underinsured Motorist coverage for any bodily injury
caused by an uninsured driver. While New Hampshire state law
does not require this coverage, you can purchase this as an
optional coverage for added protection.
