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Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, New Hampshire does not require a minimum on liability coverage. The 'live free or die' state literally stands firm on their decision.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. This coverage basically replaces the insurance the other driver should have bought but did not.
The average new hampshire auto insurance premium is $830 in 2003; the national average was at $914. Since most people think new hampshire auto insurance rates are fixed by state and new hampshire car insurance companies, they never shop around for better new hampshire car insurance rates. Our site helps you find the cheapest new hampshire automobile insurance rates and discounted prices available in New Hampshire, so average New Hampshirites can get a better-than-average low new hampshire auto insurance rate.
New Hampshire car insurance rates change over the years, if you are not careful you could end up paying too much for your new hampshire auto insurance premium. Looking back, the average new hampshire auto insurance premium in 2000 was about $713, an increase of about 16.41% in just 3 years!
When calculating your new hampshire automobile insurance quote, you must take into consideration the following factors; your driving record, moving violations and previous accidents
will increase the cost of your new hampshire auto insurance. Other factors include age, gender and marital status. Finally, the county you live in will also affect the cost of your new hampshire auto insurance rate as well as the driving record of any family members covered
under your new hampshire auto insurance policy.
New Hampshire is not a mandatory or compulsory auto insurance state. New Hampshire is firm in its decision to allow its citizens the freedom to take
their chances. New Hampshire is what is called an "add-on" state.
In add-on states, drivers receive compensation from their own auto insurance company as they do in no-fault states, but there are no restrictions on lawsuits. This is a blend of no-fault and tort law. Although new hampshire auto insurance is not required, it should and is always highly recommended.
Ideally, you'd want to be sure that you are covered in the event any property damage is done. Property damage protects you against a new hampshire auto insurance claim for damages to either another vehicle or property in an accident for which you are liable.
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