Minimum Car Insurance Requirements in New Hampshire
The minimum car insurance requirements in New Hampshire are:
$25,000 for bodily injury liability per person
$50,000 for bodily injury liability for two or more people
Up to $25,000 for property damage liability per accident
$1,000 for medical payments coverage per accident
Uninsured motorists coverage is also required
New Hampshire is an at-fault state when it comes to financial responsibility for an auto accident. That means that whoever caused the accident bears responsibility for the damages. Without insurance, you can be held personally liable for paying those damages.
Why are car insurance laws in New Hampshire different from other states?
Auto insurance protects drivers from financial liability in the event of an accident. Depending on a policy’s specific coverage limitations, car insurance may cover everything from vehicle damage to medical bills.
Bodily Injury Liability
Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in New Hampshire for anyone buying auto insurance.
Property Damage Liability
Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in New Hampshire if you purchase auto insurance.
Personal Injury Protection
Personal injury protection, also known as PIP, covers medical bills, lost wages, and replacement services for you and other members of your household if you’re injured in a car accident. PIP provides coverage regardless of who is at fault for an accident.
Personal injury protection is not required in New Hampshire, but a small amount of medical payments coverage, which is similar to PIP, is required if you buy auto insurance. Medical payments coverage pays for medical expenses incurred as a result of an accident regardless of who is at fault.