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What Happens if I Get Into a Car Accident in New Hampshire and Don’t Have Insurance?

Kenison Law Office, PLLC Oct. 4, 2023

The aftermath of a car accident can be incredibly stressful. Often, this stress can be compounded if you do not have any car insurance. While New Hampshire is one of the only states that does not require drivers to have car insurance, not having it can leave you with dozens of questions after a wreck.

If you have been involved in a collision in New Hampshire, a seasoned car accident attorney can help you determine your next steps. Your attorney will examine every detail of your case to ensure you understand your legal options.

Possible Outcomes if You Get Into a Car Accident Without Insurance in New Hampshire

While you can waive insurance coverage in New Hampshire, you lose that right if you are convicted of certain violations. Some violations requiring insurance include DUIs, hit-and-runs, or two or more speeding tickets. Additionally, not having car insurance could significantly impact what happens next after a car accident. The possible outcomes are determined by who was at fault for the accident.

If You are at Fault

If you cause an accident and do not have insurance, you could face severe consequences. You may have to pay for the other driver’s injuries and other damages entirely out of pocket. Car insurance usually covers legal fees and damages up to a certain amount. However, you must pay everything out of your own funds without insurance. Additionally, you may have your driving privileges revoked and be required to file an SR-22 form with the DMV to prove you have the minimum amount of insurance coverage moving forward.

If the Other Driver Is at Fault

If the other driver caused the accident, you have the right to file a claim with their insurance company. Even if you do not have car insurance, the other driver is still responsible for compensating you for your injuries and other losses. If you cannot reach a fair settlement with their insurance company, you also have the right to sue them for the damages you are owed. Regardless of whether or not you hold insurance, a car accident attorney can help you receive the compensation you need to make a full recovery.

How Is Liability Determined in a New Hampshire Car Accident?

Like many states, New Hampshire follows a modified comparative negligence standard. This means that individuals involved in an accident can collect damages for an accident relative to their percentage of fault. In other words, you may still be entitled to compensation if you were partially at fault for the accident. Under New Hampshire law, you must be less than 51% at fault in order to be eligible to collect damages. Your attorney will review the ins and outs of your case to determine who was at fault for the accident and what damages you may be able to recover.

Contact a Trusted New Hampshire Car Accident Attorney at Kenison Law Office

If you have been injured in a car accident caused by the negligence of another, do not let a lack of car insurance stop you from pursuing compensation for your losses. Attorney John B. Kenison of the Kenison Law Office has been helping accident victims in New Hampshire achieve favorable outcomes for their cases for over 25 years. When you partner with him, you can have peace of mind that you have a fierce advocate for your rights on your side. To schedule a free, no-obligation consultation, give us a call or complete our contact form today.