Navigating accidents with uninsured drivers in New Hampshire
You may know that New Hampshire is the only state that does not require most drivers to carry auto insurance. This might seem like freedom, but it creates serious financial risk when you are in a crash. If the other driver has no coverage, getting the money you deserve can be hard.
When driving in New Hampshire, you should understand the state’s Financial Responsibility rules. You also need to know your options for recovering money after an accident.
New Hampshire’s insurance laws
New Hampshire uses a “financial responsibility” system instead of a law that forces everyone to buy insurance. Drivers do not have to buy a policy, but they must prove they can pay for damages if they cause a wreck.
For example, a driver can meet this rule by giving cash or a bond to the state treasurer. They must show they have enough to cover the legal limits ($25,000/$50,000/$25,000). However, many drivers cannot actually pay these costs when a crash happens. This may leave you stuck paying for your own injuries and car repairs.
Your options in the aftermath
When an uninsured driver hits you, your first step should be to document everything. Collect the other driver’s information and take photos of the scene. You should file a police report immediately as prompt documentation becomes crucial if you need to pursue compensation later. There are other crucial steps you may need to take in the aftermath of an accident.
For example, because the other driver cannot pay, your own policy often becomes your only compensation source. Review whether you have Uninsured Motorist (UM) coverage. This can pay for bodily injury damage when the at-fault driver has no insurance or not enough. Sometimes, it can even compensate for other losses depending on the terms.
Additionally, check if you have collision coverage. This type of coverage can pay to repair your vehicle (minus your deductible), even if the other driver is uninsured. Do not forget to notify your insurer and take care with recorded statements.
Legal action
Lastly, you can pursue the at-fault driver personally for property damage, medical expenses, lost wages and other losses. Practically, though, many uninsured drivers have limited assets. Consider consulting a legal professional. They can help you evaluate whether a lawsuit is likely to result in actual collection or whether focusing on other options makes more sense.