New Hampshire Car Insurance Essay

1049 words - 4 pages

New Hampshire Car Insurance
Searching for cheap car insurance in New Hampshire? The “Live free or die” State is actually one of the two States that don’t have any mandatory auto liability coverage for their motorists. But it doesn’t mean that you wouldn’t get one. Regardless if it’s required or not, insuring your vehicle is important to protect you from financial constraints when car accident happens. For people in New Hampshire who plan to purchase car insurance, there are many ways on how to get the best coverage at the lowest possible rate. You can start requesting for auto insurance quotes, just enter your zip code and get multiple quotations from a variety of insurance providers.
New Hampshire Laws and Requirements
Although the state of New Hampshire does not have mandatory auto liability regulations and laws, a responsible motorist should still purchase one in cases of road accidents. The state still strictly follows the Tort System, in which someone should be blamed at-fault for causing the accident and the person and insurance company should cover al bodily injury and property damage costs. Each State has different details of Tort System so better know it beforehand.

Because it isn’t required, the New Hampshire Financial Responsibility law advised there motorist to get minimum auto liability coverage of 25/50/25. This payment represents $25 000 to cover for bodily injury limit per injured person, up to maximum of $50 000 per accident. For the property damage liability, the payment will be minimum of $25 000. You can also choose a single limit policy of $75 000 to satisfy the basic requirement.

You can also get optional coverage such as Uninsured/Underinsured Motorist (UM) coverage and medical payment. For UM coverage, the amount is equal to the minimum bodily injury liability coverage. With regards to additional medical payment, the minimum limit is $1000.

Although auto insurance isn’t mandated in the state of New Hampshire, getting one is highly recommended. Keep in mind that driving or operating in the state without carrying New Hampshire auto insurance means that you could be filed with a lawsuit. Lawsuit usually have lengthy process, more so, it is quite pricey to defend. And despite being judged not guilty, the costs can highly affect your monetary status.

When purchasing New Hampshire car insurance, always sign the residency document to prevent cancellation of the policy.

The Need for Online Auto Insurance Quote Comparison
Many insurance consumers are frustrated on getting car insurance because though required, it isn’t used often and doesn’t even come cheap. Yet, drivers who are disappointed about the car insurance quotes don’t understand that New Hampshire auto insurance is an important asset to protect one from financial burden due to tragedy.

Online auto insurance quote provides transparency for all motorists, allowing insurance consumer to gather auto insurance quote and compare without allotting...

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