If your home is in Nashua, Berlin or anywhere in between, SafeAuto wants to help you find the cheapest auto insurance in your area. While SafeAuto does not currently offer direct coverage in New Hampshire, we can still help you get a cheap quote on the insurance coverage you need.
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Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000
New Hampshire’s Financial Responsibility law requires you to maintain liability limits of at least:
The first number is the maximum amount that your policy will pay for bodily injury to or death of one person in any one accident
The maximum amount that your policy will pay for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit.
The maximum amount that your policy will pay for damage to or destruction of property of others in an accident.
Under New Hampshire law, you are not required to carry automobile insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire’s Motor Vehicle Financial Responsibility Requirements in the event your actions cause an accident while operating a motor vehicle, otherwise known as an “at-fault” accident.
If you have been involved in an “at-fault" accident, received a citation for driving while intoxicated, or vehicular homicide or assault, or have had two or more convictions for driving recklessly or at excessive speed, and are unable to provide sufficient funds to meet New Hampshire’s minimum requirements, your driving privileges and vehicle registration may be suspended, and you may be required to surrender your vehicle’s license plates.
In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.