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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.

Whether you’re ready for summer to be over or not, rest assured fall is here! Many will take to the New Hampshire roads for fall foliage driving tours leading them to some of the most scenic routes for breathtaking fall colors.  New Hampshire’s Kancamagus Scenic Byway, running through the White Mountain National Forest, is one of the most renowned for its autumn leaves, making it one of the top road trips during the fall leaf-viewing season.

But let’s remember, it’s also a time when road and weather conditions make getting there a little tougher. Following some of these fall driving safety tips will help keep you safe as you enjoy the cool crisp air and the beautiful colors of your fall leaf peeping tours.

While the changing colors of the foliage is certainly a site to see, when the leaves begin to fall, they can make the roads slick and obscure traffic lines, pavement markings, and hide potholes.  If it also rains, it can then make those wet leaves as dangerous as ice on the roads.  Remember also, that leaf-peeping drivers tend to drive much slower and make unpredictable stops to take in the fall beauty.  Therefore, if you are driving behind a car with out-of-state plates, be patient and give them extra space in case they stop short for a photo opportunity.

While many dogs are loyal and loveable companions, some dogs can be vicious and cause injury or even death. When a dog attacks a person, a careful evaluation of the situation should be done to determine who may potentially be liable.

The Center for Disease Control and Prevention states that out of 4.5 million Americans who suffer from dog bites every year, only 20 percent require medical attention.  Children and postal workers seem to be the most susceptible to such attacks.

Although some dogs appear to be more vicious by nature, such as pit bulls, German shepherds and Rottweilers, there are an increased number of dog bites involving dogs less known for a violent nature. These breeds include huskies, chow chows, boxers, Dalmatians, Alaskan malamutes and Doberman pinschers.  If provoked, however, any dog can attack.

We love living in New England surrounded by the hundreds of lakes we can take the boat on. People love the water, they love their boats, and there is still a lot of boating season left. But, remember your boat is a motorized vessel just like your car, and can cause personal injury. People, often are merely thinking of fun in the sun as they leave the dock, and are not thinking of the personal injury that can be caused in a boating accident.

In 2017, the Coast Guard counted 4,291 accidents that involved 658 deaths, 2,629 injuries and approximately $46 million dollars of damage to property as a result of recreational boating accidents. Causes of boating accident have included operator inattention, improper lookout, operator inexperience, excessive speed, and sadly, boating under the influence of drugs or alcohol (BUI). Alcohol was listed as the leading factor in 19% of deaths.  Just like on the road, no vessel should be under the control of an inebriated individual (maximum 0.08 blood alcohol content). Not only is it dangerous, it’s also against the law.

Before heading out on the waterways and onto the river, lake or ocean, there are several rules for boating in the State of New Hampshire that people need to learn. For one, New Hampshire has a mandatory boating education law. Everyone 16 years of age and older who operates a motorboat over 25 horsepower on New Hampshire waters must have a boating education certificate.  Here are examples of what is considered a recreational boat:

By Kenison Law Office

With the heat and humidity of summer, a refreshing dip in the backyard swimming pool can be a source of fun, but a pool can also present many dangers if they are not properly maintained or supervised. Here are some important things to be aware of before getting in the water to avoid swimming pool accidents and injuries.

Where can Swimming Pool Accidents Happen? Pool accidents can happen on any private or public property and can lead to serious injuries. Homeowners may have above-ground or in-ground pools located on their property. Many towns also have public pools at places like parks, schools, and summer camps. Also, some commonly found places for swimming pools are privately owned hotels, motels, gyms, apartment and condominium complexes, and amusement parks.  Many swimming pool injuries occur because of slippery or unsafe conditions.

This time of year, motorcycles are everywhere and they are exposed to heightened safety risks on the road.  The annual summer influx of motorcyclists on roads and highways can be especially risky when other drivers are often distracted or careless. Many motorcycle safety myths turn out to be wrong when you actually do some fact checking.

According to the Huffington Post, here are some of the popular safety myths and urban legends that are heard most often.  Our hope is that by shedding some light on these fallacies we can provide bikers with the right information to make educated and informed motorcycle safety decisions.  Here are five notorious myths:

1. Country Roads and City Streets are Safer than the Highway

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