Accidents happen every day. That's why it's important to insure yourself and your car with sufficient New Hampshire car insurance coverage.
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"What is car insurance? Why do I need it?"
New Hampshire car insurance protects you against financial loss resulting from an accident. It represents a binding contract between you, the purchaser, and your New Hampshire car insurance company. You agree to pay the premium for the policy in exchange for payment of any losses you incur, as defined in your New Hampshire car insurance policy.
"What exactly does New Hampshire car insurance cover?"
State law requires your New Hampshire car insurance policy to cover liability, medical payments and uninsured motorist bodily injury expenses.
Liability insurance, which helps pay for the cost of injury and damage you cause someone else in an accident, is required in the following amounts:
Medical payments coverage, which provides for immediate treatment of your own medical injuries, is also required in New Hampshire. You must carry at least $5,000 worth of this type of protection.
Finally, New Hampshire car insurance includes uninsured motorist coverage. A minimum of $25,000 per person and $50,000 per accident is mandatory.
"Do I need to buy any other type of coverage?"
One other type of New Hampshire car insurance coverage your lender may require is physical damage. This pays for damage to your car, minus your deductible, in case of an accident, and includes both collision and comprehensive.
Collision pays for damage incurred if you're involved in an accident with another car or fixed object, whereas comprehensive pays for damage due to other causes, such as hail, fire or theft. Talk to a knowledgeable New Hampshire car insurance agent to determine if you need physical damage coverage for your car.
Also note: It is wise to consider buying higher limits of liability insurance than those mandated by New Hampshire state law. These minimums may not be sufficient to cover the complete value of your automobile, provide adequate finances for medical bills incurred as the result of an accident, or protect you fully from lawsuits. Resultant costs could prove financially devastating!
"How much should I buy?"
Chances are you will need more liability insurance than the state requires. This is because accidents tend to cost more than the minimum limits cover.
The Insurance Information Institute (I.I.I.) recommends you purchase $100,000 bodily injury protection per person and $300,000 per accident to ensure sufficient New Hampshire car insurance coverage. However, the final decision is entirely up to you.
"How can I save money on my New Hampshire car insurance?"
There are several ways to save money on your car insurance premium:
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