Is New Hampshire a no fault car insurance state?
Asked by: Orpha Quitzon III | Last update: March 16, 2025Score: 4.2/5 (18 votes)
Is NH a no-fault state for car accidents?
New Hampshire is not a “no fault state”. A driver injured because of another driver's negligence can collect payment for injuries from the at-fault driver. If you do have insurance, New Hampshire requires you to have coverage for your own injuries.
Why does New Hampshire have no car insurance?
Because it's not required in NH, it's more affordable here than most other states and that's likely why we have one of the lowest rates of uninsured drivers as well. Any private service that's mandated will be more expensive, because an increase in demand increases prices.
How does car insurance work in New Hampshire?
If you buy auto insurance in New Hampshire, the minimum limits available for Liability Coverage are 25/50/25, meaning $25,000 per person for bodily injury, up to $50,000 if 2 or more persons are hurt, and up to $25,000 for property damage. Liability Coverage does not pay to repair damage to your own vehicle.
What happens if the person at fault in an accident has no insurance in NH?
It usually means delays, waiting and even non-settlement. You'll likely have difficulty getting compensation for present and future medical costs, loss of wages and vehicle damage/replacement.
What is No Fault Insurance and How is it different
What determines a no fault accident?
A no-fault state is one where drivers involved in a car accident are required to file claims with their own insurance companies, regardless of who caused the accident. This system relies on Personal Injury Protection (PIP) coverage, which compensates for medical expenses and lost wages up to a state-determined limit.
What happens when someone not on your insurance gets in an accident?
Insurance follows the vehicle, so if someone else drives your car and gets into an accident, your insurance will handle the claim. This is known as permissive use — your policy covers the damage, not theirs.
Is New Hampshire a diminished value state?
New Hampshire
Diminished value of your vehicle is recoverable in third-party cases only. You can only recover from third-party at fault insurance companies and you cannot make a claim under your own uninsured motorist insurance.
Is New Hampshire progressive?
No. New Hampshire is often noted for its moderate politics (especially in relation to strongly Democratic neighboring states) and its status as a prominent swing state. Voters predominantly selected Republicans for national office during the 19th and 20th centuries until 1992.
What percentage of NH drivers are uninsured?
Uninsured Motorists Still Present a Risk in New Hampshire
While the rate of uninsured motorists in the state is lower than in most other states, the number is not negligible. That 7.8% represents more than 90,000 drivers on New Hampshire roads without automobile insurance.
Which two states do not require car insurance?
Although leasing or financing offices may require one or the other. New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle.
Is title insurance mandatory in NH?
Borrowers are generally required to pay for a Title Insurance Policy when they borrow money from a lender for each mortgage.
What is the minimum car insurance in NH?
You need at least $25,000 per-person and $50,000 per-accident for your auto insurance in New Hampshire. This pays for damage to another person's property when you, a household member or another authorized driver cause an accident. Typically, this will be another person's vehicle.
Is NH on a fault line?
Answer and Explanation: No, New Hampshire is not on a fault line. Despite this fact, New Hampshire experiences small earthquakes caused by minor cracking in the rock caused by pressure resulting from the spread of the North American Plate from the Eurasian Plate.
How long do accidents stay on your record in NH?
Although accidents are reported on the driving record report of each operator involved in an accident, fault is not indicated. Accident involvement will be listed on the driver record report for a period of 5 years from the date of the accident.
How is New Hampshire different from other states?
New Hampshire is among the wealthiest and most-educated states. It is one of nine states without an income tax and has no taxes on sales, capital gains, or inheritance while relying heavily on local property taxes to fund education; consequently, its state tax burden is among the lowest in the country.
Why don't you need car insurance in New Hampshire?
Unlike most states, New Hampshire doesn't mandate auto insurance for all drivers. Instead, it requires proof of financial responsibility, meaning you must show you can cover costs for bodily injury and property damage if you cause an accident. Understanding these laws is crucial.
Can you negotiate diminished value?
Yes, you can negotiate a diminished value claim.
While your insurance company may offer an initial settlement, it's often possible to negotiate for a higher amount.
Is New Hampshire a contributory negligence state?
In New Hampshire, the plaintiff's own contributory negligence to their injuries reduces the amount of damages that may be claimed in proportion to the defendant's role in causing the injuries. This is true unless the plaintiff is found to be more negligent (51% or more) than the defendant.
What is New Hampshire valued policy law?
If a building insured for a specified amount, whether under a separate policy or under a policy also covering other buildings, is totally destroyed by fire or lightning without criminal fault on the part of the insured or his assignee, the sum for which such building is insured shall be taken to be the value of the ...
Can my husband drive my car if he is not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Who generally pays more for car insurance?
Men tend to pay more for car insurance overall, though the difference is slight — about 1%. The difference is most pronounced for teens and young adults.
Is it worth suing an uninsured driver?
Suing the uninsured driver might not be worth it unless they are financially capable of satisfying a judgment. After a crash with an uninsured or underinsured driver, contact a car accident lawyer about your legal options.