New Hampshire Auto Insurance - (NH)

Selecting the right insurance policy can be a challenging task for any driver. Knowing how your state's laws will affect your insurance coverage requirements is the first step in determining the best policy for you. Each state has its own auto insurance laws, with differences ranging from documentation requirements to liability coverage. Be sure you understand your state's laws; and make sure your insurance policy provides not only coverage that meets state standards, but also enough coverage to make you feel comfortable on the road.

New Hampshire Auto Insurance Laws

• New Hampshire is a rarity in the United States - drivers are not required to carry automobile insurance. Of course, that doesn't mean that driving uninsured is wise.
• The state would prefer that drivers carry insurance, however, even though there are now laws on the books.
• Some drivers are required to carry liability insurance in New Hampshire: Drivers who have previous convictions such as a DUI or other driving violations can cause the state to require liability coverage. These drivers are notified of the requirement in writing, and their insurance companies notify the state when coverage is obtained.
• If you are convicted of drunk driving, you will be required to carry liability insurance for three years. If you are convicted again, the requirement rises to five years.
• Of course, most car purchases are funded with auto loans, which require that the owners carry auto insurance. If your car is financed, make sure your insurance meets your lender's requirements.
• While the state does not require auto insurance, it is strongly recommended that all drivers get coverage. Remember that if you are liable for expenses incurred in an accident - such as medical bills or property damage expenses - the amount could easily surpass tens of thousands of dollars. Insurance provides both coverage and peace of mind in case of an accident.

Auto insurance consumer tips

If the cost for your auto insurance premium is a concern, ask your insurer whether raising the deductible on your policy would lower your premium. Generally, a slight adjustment to the deductible could save short-term premium costs. Remember that a higher deductible means you will pay more money in the event of a claim.

Homeowners can consider combining auto and home insurance policies with the same insurer. There could be discounts for combining the policies.

To determine whether you're getting the best coverage at the right cost, make sure you receive competitive quotes from several insurers.

Department Of New Hampshire (NH) State Government That Regulates Auto Insurance:
Web Site: www.state.nh.us/insurance

How To Contact Directly:
New Hampshire auto insurance Dept.
21 South Fruit St., Suite 14
Concord NH 03301
Phone: 1-603-271-7973

New Hampshire (NH) Mandatory Auto Insurance Minimums

• Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Uninsured Motorist

How To File A Complaint About An Insurer:

Complaints are filed with:
Office Of The Attorney General
Consumer Protection And Antitrust Bureau
33 Capitol Street
Concord, New Hampshire 03301
Phone: 1-603-271-3641