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General New Hampshire Insurance Guidelines
New Hampshire currently requires that only certain drivers need to carry auto insurance. Drivers may be obligated due to convictions or violations including DWI charges or DMV Demerit points. Also, cars that are leased or financed must carry insurance. Proof of insurance must always be accessible in the vehicle if you are required to purchase insurance.
Minimum Liability Coverage in New Hampshire
New Hampshire's minimum liability amounts are as follows:
- $25,000 bodily injury per person.
- $50,000 total bodily injury per accident.
- $25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. New Hampshire requires UM/UIM coverage. The minimum UM/UIM coverage amounts for New Hampshire are required at the same level as the liability coverage you maintain.
Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. New Hampshire is not a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. New Hampshire requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for New Hampshire are that by law, you must buy at least $1,000 of medical payments coverage.
SR-22 Requirements for New Hampshire
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. New Hampshire requires an SR-22 filing for driver’s license reinstatement.
New Hampshire DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver's licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for New Hampshire are:
- Minimum 10 days imprisonment if aggravated DWI
- Minimum $500 fine
- Minimum $750 fine if aggravated DWI
- 9 month to 2-year license suspension
- 18 month to 2-year suspension if aggravated DWI
- Completion of impaired driver program
- Possible alcohol/drug treatment and counseling
- SR-22 Insurance required for 3 years
Special Insurance Regulations for New Hampshire
New Hampshire is one of only two states that does not require drivers to carry auto insurance.
Additional Information on Insurance for New Hampshire
For more information, please contact New Hampshire Department of Insurance: 1-603-271-2261 or visit their website at www.nh.gov.
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