State law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability for auto insurance. Uninsured motorist bodily injury is also required, with a limit equal to your liability coverage ($25,000 per person/$50,000 per accident minimum). Medical payment $1,000 limit is required. Check with your auto insurance company to understand the details of coverage they offer. All coverages are limited to any terms and liabilities of your auto insurance company.

Bodily injury liability: If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. You will need to purchase medical payment coverage for your policy or use your own health insurance if you want coverage for yourself and dependents. In the event you are sued by the other party, this coverage will also cover the expense of you auto insurance company representing you in court.

Property damage liability: When you cause accidental damage to another person’s property, be it a car, fence, pole, wall, etc, with your vehicle, property damage liability will cover repairing costs. It will also cover any legal costs that may ensue from the accident. Any additional costs over your coverage amount could leave you paying for repairs out of pocket.

Uninsured motorist liability: In the scenario you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured motorist liability will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Medical Payments: Medical payments will pay for medical expenses as a result from being in an accident. This coverage applies to you and your passengers or to you or other family members as a pedestrian (on foot or bike) regardless of fault. It also covers you and/or your family members if injured in someone else’s car.

New Hampshire operates under a tort auto insurance system; it does not acknowledge the no-fault system. This means by law of the state of New Hampshire the at-fault driver in an accident and their auto insurance company are responsible to pay for the medical expenses of the other driver in addition to compensating for additional damages, i.e. pain and suffering and/or loss of wages. Take this law into consideration when deciding how much coverage you want to purchase for your auto insurance policy, making sure to protect yourself from having to pay too much out of pocket if you or one of your dependents are ever in this situation.

In the state of New Hampshire it is not required to carry auto insurance, however, you must be able to prove financial responsibility, or that you have sufficient assets to pay any claims if you cause an accident. If you cannot prove financial responsibility, you will need to purchase auto insurance.

New Hampshire Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Coverage: $25,000 Limit
• Uninsured Motorist Liability: $25,000/$50,000 Limit
• Medical Payment: $1,000 Limit

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