New Hampshire drivers must have three main types of liability insurance coverage in place, these include bodily injury coverage, property damage insurance, and uninsured and underinsured insurance coverage. By having these three primary forms of liability insurance in place, New Hampshire drivers are protected from claims they might have filed against them if an accident was to occur. Damages covered with these three types of insurance coverage include injuries that people might have experienced in the accident as well as payment for damage or replacement of property damaged in the accident.
In New Hampshire, the state minimum liability coverage is 25/50/25. This means that drivers in New Hampshire must have insurance coverage in place that pays a minimum of $25,000 per person injured in the accident as well as at least $50,000 of coverage per accident. The driver must also have insurance in place that provides a minimum of $25,000 in coverage for any property that may have been damaged in an accident that the insured driver caused. The underinsured an uninsured insurance, on the other hand, must provide $25,000 of coverage per person and $50,000 of coverage per accident.
The Bodily Injury Liability insurance, or BI for short, covers the expenses associated with the injury or death of any other people that were involved in the accident. Those individuals covered by this insurance may include the driver or drivers of other vehicles involved with the accident or the passengers in either the insured driver’s vehicle or in any the other vehicles involved in the accident. Passengers that are injured as the result of the accident are also covered by Bodily Injury Liability insurance. New Hampshire drivers are required to have at least $25,000 worth of coverage per person and $50,000 of coverage per accident when it comes to Bodily Injury Liability insurance.
Property Damage insurance, which is known as PD for short, is a form of insurance coverage that covers the expenses associated with property that has been damaged by an accident. This type of insurance covers the cost of replacing or repairing other vehicles or any other property that may have been damaged in the accident. New Hampshire drivers must also carry a minimum of $25,000 of coverage per accident.
New Hampshire drivers are required to present proof of insurance coverage before they are can register their vehicles or legally drive the vehicle. Insurance companies provide temporary proof of insurance cards to their clients, which are the easiest way to prove that insurance coverage is in place. There are other methods, however, such as showing the actual insurance policy or the receipt from the premium payment.
New Hampshire drivers that have made a purchase of a new vehicle within the past 60 days must also demonstrate proof of insurance coverage for the new vehicle. This proof can be accomplished by showing that the vehicle being replaced had proper coverage.
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