In New Hampshire you are not required to purchase liability auto insurance, but if you do you must also purchase Uninsured/Underinsured Motorist Coverage (“UM coverage”). According to the Insurance Research Counsel, approximately 9.9% of drivers in New Hampshire do not have auto insurance. Therefore, if you are involved in an accident, there is a 1 in 7 chance the other driver is “uninsured”, which are not great odds if you are seriously injured.
With so many uninsured drivers on the road, we recommend taking a closer look at your policy. UM coverage can protect you if you are injured both as a driver or pedestrian, a passenger in another car, your passengers, and a driver operating your car with your permission. Also UM coverage can also protect passengers when you drive someone else’s car with permission.
If you were involved in an accident caused by an uninsured motorist and you have over $1,000 in damage or personal injury and the uninsured motorist does not have the ability to pay compensation for injuries and damages sustained in that accident, New Hampshire may suspend the driver license and registration of the uninsured motorist until such compensation has been paid. However, if you have proper auto insurance, then you are entitled to make a claim under the UM coverage portion of your auto policy.