Articles
Does New Hampshire Require Auto Insurance?
Key Highlights
New Hampshire is the only state in the US that does not mandate car insurance.
Drivers in New Hampshire are required to show proof of financial responsibility if they are liable for someone else's injuries or damages.
The state has specific minimum limits for liability coverage for bodily injury and property damage.
Uninsured/underinsured motorist coverage and medical payments coverage are mandatory in New Hampshire.
New Hampshire's financial responsibility law requires drivers to carry proof of financial responsibility at all times.
In case of an accident, drivers without insurance may face legal consequences such as license suspension and traffic violations.
Introduction
New Hampshire is often known for its scenic beauty and winding roads, making it a popular destination for road trips and exploring nature. However, one unique aspect of driving in New Hampshire is that the state does not require car insurance for its drivers. While car insurance is mandatory in almost all other states, New Hampshire stands out as the only state in the US that does not have a mandatory car insurance law. This means that drivers in New Hampshire are not legally required to carry auto insurance to operate a vehicle on the roads.
Understanding Car Insurance in New Hampshire
Car insurance, also known as auto insurance or motor insurance, is a type of insurance policy that provides coverage for financial losses and liabilities that may arise from owning or operating a vehicle. Auto insurance policies typically offer various types of coverage, including liability coverage, which protects the insured from liabilities arising from injuries or damages caused to others in an accident.
In New Hampshire, although car insurance is not mandatory, the state law requires drivers to show proof of financial responsibility if they are liable for someone else's injuries or damages. This means that if a driver is at fault in an accident, they are financially responsible for the resulting injuries or damages. Liability coverage can help drivers protect their assets if they are at fault in an accident. The state has specific minimum limits for liability coverage, which include $25,000 in bodily injury liability per person, $50,000 in total bodily injury liability per accident, and $25,000 in property damage liability per vehicle.
The Unique Case of New Hampshire
New Hampshire's lack of a mandatory car insurance law makes it unique among all the states in the US. While every other state has laws in place that require drivers to carry auto insurance, New Hampshire allows drivers to operate vehicles without insurance coverage. This unique aspect of New Hampshire law has both advantages and disadvantages for drivers.
On one hand, not having to purchase car insurance can save drivers money on premiums. However, it also means that drivers are personally responsible for any financial liabilities that arise from accidents or damages caused by their vehicle. Without insurance coverage, drivers may have to pay out of pocket for medical bills, property damage, and other expenses resulting from an accident. Additionally, drivers may face legal consequences, such as license suspension and traffic violations, for not carrying insurance.
Comparing with Other States
When comparing New Hampshire's car insurance laws with those of other states, the differences are apparent. In most states, it is a legal requirement for drivers to have auto insurance coverage. State laws regulate the minimum coverage limits and the types of coverage that drivers must carry. Insurance companies provide policies that comply with these laws and offer additional coverage options to drivers.
Liability insurance is a common requirement in almost all states. This type of coverage protects drivers from financial liabilities if they are at fault in an accident. Liability insurance typically covers bodily injury and property damage caused to others. The minimum coverage limits vary from state to state.
In contrast, New Hampshire does not mandate liability insurance. Instead, the state requires drivers to show proof of financial responsibility if they are liable for someone else's injuries or damages. While liability insurance is not required by law, it is still recommended for drivers to protect their assets in case of an accident.
Why New Hampshire Doesn't Mandate Car Insurance
The reason behind New Hampshire's decision to not mandate car insurance lies in its historical background and current legal perspective. Understanding these factors can shed light on why the state has chosen not to enforce mandatory car insurance laws.
The Historical Background
The historical perspective of New Hampshire's car insurance laws dates back to the early 20th century when the state passed the Financial Responsibility Law. This law aimed to ensure that drivers took financial responsibility for any damages or injuries they caused in accidents. Instead of mandating car insurance, the law allowed drivers to demonstrate their financial responsibility through other means, such as posting a bond or depositing a certain amount of money with the state.
Over the years, the state has maintained its stance on not mandating car insurance, and the Financial Responsibility Law remains in effect. This historical background provides insight into the state's approach to car insurance and its emphasis on financial responsibility rather than mandatory insurance coverage.
Current Legal Perspective
From a legal perspective, New Hampshire's decision not to mandate car insurance is based on the state's belief in individual freedom and personal responsibility. The state allows drivers to choose whether or not to carry auto insurance, giving them the freedom to make their own decisions regarding their financial protection.
However, despite the lack of a mandatory insurance requirement, New Hampshire does have a legal framework in place to ensure that drivers can demonstrate financial responsibility. The state requires drivers to carry proof of financial responsibility, which can be in the form of an insurance policy or other acceptable means. This proof is necessary in situations where a driver is liable for someone else's injuries or damages.
New Hampshire's Financial Responsibility Law
New Hampshire's Financial Responsibility Law is the legal framework that governs the state's approach to car insurance. Under this law, drivers in New Hampshire are required to demonstrate financial responsibility in order to legally operate a vehicle on the state's roads.
Proof of financial responsibility can be provided in various forms, but the most common and widely accepted method is through an insurance policy. Drivers can purchase an insurance policy that meets the state's minimum requirements for liability coverage.
The financial responsibility law also requires drivers to carry proof of financial responsibility at all times while operating a vehicle. This proof can be in the form of an insurance ID card or other acceptable documentation.
What it Means for Drivers
For drivers in New Hampshire, the financial responsibility law means that they have the freedom to choose whether or not to carry car insurance. While insurance is not mandatory, it is highly recommended to protect drivers from financial liabilities in case of an accident.
Having car insurance provides drivers with the peace of mind that they are financially protected if they are at fault in an accident. Insurance can help cover medical bills, property damage, and other expenses that may arise from an accident.
However, without insurance coverage, drivers are personally responsible for any financial liabilities that result from an accident. This includes paying for medical bills, repairing or replacing damaged property, and potentially facing legal consequences such as license suspension and traffic violations.
Consequences of Non-Compliance
Non-compliance with New Hampshire's financial responsibility law can have various consequences for drivers. These consequences may include:
License suspension: If a driver is found to be operating a vehicle without proof of financial responsibility, their driver's license may be suspended. This means that the driver will not be able to legally operate a vehicle until the suspension is lifted.
Traffic violations: Driving without insurance is considered a traffic violation in New Hampshire. If a driver is caught driving without insurance, they may face fines and penalties imposed by the court.
Registration issues: Drivers who fail to provide proof of insurance may face difficulties when registering their vehicles or renewing their registration. The state may require proof of insurance before allowing the registration process to be completed.
Increased financial risk: Without insurance coverage, drivers are personally responsible for any financial liabilities that result from an accident. This includes paying for medical bills, property damage, and other expenses out of pocket.
Limited options for insurance coverage: Drivers who have been found to be driving without insurance may face difficulties in obtaining insurance coverage in the future. Insurance companies may consider them high-risk drivers and charge higher premiums or deny coverage altogether.
Car Accidents in a No-Mandatory-Insurance State
Car accidents can happen in any state, regardless of whether or not car insurance is mandatory. However, the absence of a mandatory car insurance law can have implications for drivers involved in accidents in a no-mandatory-insurance state like New Hampshire.
How Fault is Determined
In a no-mandatory-insurance state like New Hampshire, fault in a car accident is determined based on negligence. Negligence refers to the failure to exercise reasonable care, resulting in harm or damage to others. When determining fault in a car accident, the concept of negligence plays a crucial role.
Insurance coverage, especially liability coverage, can help drivers protect themselves in case they are at fault in an accident. Liability coverage provides financial protection by covering bodily injury and property damage caused to others in an accident.
Compensation Mechanisms Available
In the event of a car accident in New Hampshire, there are various compensation mechanisms available to drivers, including:
Medical payments coverage: This coverage option, which is mandatory in New Hampshire, helps pay for medical bills resulting from a covered accident. It can help drivers cover their own medical expenses, regardless of who is at fault in the accident.
Property damage liability: This coverage helps pay for the repair or replacement of another person's property that has been damaged in an accident where the insured driver is at fault.
Insurer compensation: If the insured driver is not at fault in an accident, they may be entitled to compensation from the at-fault driver's insurance company. This can help cover medical expenses, property damage, and other associated costs.
The following list summarizes the compensation mechanisms available in case of a car accident in New Hampshire:
Compensation Mechanism Purpose
Medical payments coverage - Helps pay for medical bills resulting from a covered accident
Property damage liability - Helps pay for the repair or replacement of another person's damaged property
Insurer compensation - Provides compensation from the at-fault driver's insurance company
Liability Insurance in New Hampshire
Liability insurance is a critical aspect of car insurance, providing financial protection for drivers if they are at fault in an accident. While liability insurance is not required by law in New Hampshire, it is highly recommended for drivers to protect themselves from potential financial liabilities.
Liability insurance helps cover bodily injury and property damage caused to others in an accident where the insured driver is at fault. This coverage can help pay for medical bills, rehabilitation costs, property repairs, and legal expenses resulting from the accident.
What Does Liability Insurance Cover?
Liability insurance covers two main aspects: bodily injury and property damage. Bodily injury liability coverage helps pay for medical expenses, rehabilitation costs, and other financial losses incurred by individuals who are injured in an accident caused by the insured driver.
Property damage liability coverage, on the other hand, helps pay for repairs or replacement of another person's property that has been damaged in an accident for which the insured driver is at fault. This can include damage to vehicles, buildings, and other types of property.
Benefits of Having Liability Insurance
Having liability insurance in New Hampshire offers several benefits for drivers. These benefits include:
Financial protection: Liability insurance provides financial protection for drivers by covering the costs of bodily injury and property damage caused to others in an accident where the insured driver is at fault. This can help drivers avoid significant out-of-pocket expenses and potential legal consequences.
Peace of mind: Knowing that they have liability insurance can give drivers peace of mind. They can drive with confidence, knowing that they have coverage in case they are at fault in an accident.
Compliance with other states' laws: Even though New Hampshire does not mandate liability insurance, drivers may need it when traveling to other states that do require it. Liability insurance ensures that drivers comply with the laws of other states and have the necessary coverage while driving in those states.
Additional Coverage Options in New Hampshire
In addition to liability insurance, drivers in New Hampshire have the option to purchase additional coverage to enhance their insurance protection. These coverage options include collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Collision Coverage
Collision coverage is an optional coverage that helps pay for repairs or replacement of the insured vehicle if it is damaged in a collision with another vehicle or object. This coverage is particularly useful for drivers who have financed or leased their vehicles, as lenders often require collision coverage to protect their investment.
Comprehensive Coverage
Comprehensive coverage is another optional coverage that helps pay for repairs or replacement of the insured vehicle if it is damaged by something other than a collision. This can include damage from theft, vandalism, natural disasters, or accidents involving wildlife.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is a type of optional coverage that helps protect drivers if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. This coverage helps pay for medical expenses and property damage that the uninsured or underinsured driver is unable to cover.
Conclusion
In conclusion, New Hampshire stands out as the only state in the US that does not mandate car insurance for its drivers. While this may seem unusual, it is important to understand the historical and legal background that has led to this unique case. Although not required by law, it is highly recommended for drivers in New Hampshire to have liability insurance to protect themselves financially in case of an accident. Additionally, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage are additional options that drivers can consider for added protection. It is crucial to be aware of the potential consequences of not having insurance and to understand the compensation mechanisms available in case of an accident. While it remains uncertain whether New Hampshire will ever change its car insurance laws, it is important for drivers to make informed decisions and prioritize their financial security on the roads.
Frequently Asked Questions
What Happens if I Drive Without Insurance in New Hampshire?
Driving without insurance in New Hampshire can have legal consequences, including license suspension, fines, and potential difficulties in registering or renewing vehicle registration.
Can I Register a Car Without Insurance in New Hampshire?
In New Hampshire, proof of insurance is not required to register a car. However, drivers must provide proof of financial responsibility if they are liable for someone else's injuries or damages.
Will New Hampshire ever Change its Car Insurance Laws?
Changes to car insurance laws in New Hampshire would depend on various factors, including state legislation and public opinion. While there may be discussions and debates about car insurance laws, any changes would require significant policy changes.
What to Do in Case of an Accident if I’m Uninsured in New Hampshire?
If you are uninsured and involved in an accident in New Hampshire, you may need to pay for medical expenses and property damage out of your own pocket. It is advisable to seek legal advice to understand your options and obligations.
Blog Posts
Does New Hampshire Require Auto Insurance?
Key Highlights
New Hampshire is the only state in the US that does not mandate car insurance.
Drivers in New Hampshire are required to show proof of financial responsibility if they are liable for someone else's injuries or damages.
The state has specific minimum limits for liability coverage for bodily injury and property damage.
Uninsured/underinsured motorist coverage and medical payments coverage are mandatory in New Hampshire.
New Hampshire's financial responsibility law requires drivers to carry proof of financial responsibility at all times.
In case of an accident, drivers without insurance may face legal consequences such as license suspension and traffic violations.
Introduction
New Hampshire is often known for its scenic beauty and winding roads, making it a popular destination for road trips and exploring nature. However, one unique aspect of driving in New Hampshire is that the state does not require car insurance for its drivers. While car insurance is mandatory in almost all other states, New Hampshire stands out as the only state in the US that does not have a mandatory car insurance law. This means that drivers in New Hampshire are not legally required to carry auto insurance to operate a vehicle on the roads.
Understanding Car Insurance in New Hampshire
Car insurance, also known as auto insurance or motor insurance, is a type of insurance policy that provides coverage for financial losses and liabilities that may arise from owning or operating a vehicle. Auto insurance policies typically offer various types of coverage, including liability coverage, which protects the insured from liabilities arising from injuries or damages caused to others in an accident.
In New Hampshire, although car insurance is not mandatory, the state law requires drivers to show proof of financial responsibility if they are liable for someone else's injuries or damages. This means that if a driver is at fault in an accident, they are financially responsible for the resulting injuries or damages. Liability coverage can help drivers protect their assets if they are at fault in an accident. The state has specific minimum limits for liability coverage, which include $25,000 in bodily injury liability per person, $50,000 in total bodily injury liability per accident, and $25,000 in property damage liability per vehicle.
The Unique Case of New Hampshire
New Hampshire's lack of a mandatory car insurance law makes it unique among all the states in the US. While every other state has laws in place that require drivers to carry auto insurance, New Hampshire allows drivers to operate vehicles without insurance coverage. This unique aspect of New Hampshire law has both advantages and disadvantages for drivers.
On one hand, not having to purchase car insurance can save drivers money on premiums. However, it also means that drivers are personally responsible for any financial liabilities that arise from accidents or damages caused by their vehicle. Without insurance coverage, drivers may have to pay out of pocket for medical bills, property damage, and other expenses resulting from an accident. Additionally, drivers may face legal consequences, such as license suspension and traffic violations, for not carrying insurance.
Comparing with Other States
When comparing New Hampshire's car insurance laws with those of other states, the differences are apparent. In most states, it is a legal requirement for drivers to have auto insurance coverage. State laws regulate the minimum coverage limits and the types of coverage that drivers must carry. Insurance companies provide policies that comply with these laws and offer additional coverage options to drivers.
Liability insurance is a common requirement in almost all states. This type of coverage protects drivers from financial liabilities if they are at fault in an accident. Liability insurance typically covers bodily injury and property damage caused to others. The minimum coverage limits vary from state to state.
In contrast, New Hampshire does not mandate liability insurance. Instead, the state requires drivers to show proof of financial responsibility if they are liable for someone else's injuries or damages. While liability insurance is not required by law, it is still recommended for drivers to protect their assets in case of an accident.
Why New Hampshire Doesn't Mandate Car Insurance
The reason behind New Hampshire's decision to not mandate car insurance lies in its historical background and current legal perspective. Understanding these factors can shed light on why the state has chosen not to enforce mandatory car insurance laws.
The Historical Background
The historical perspective of New Hampshire's car insurance laws dates back to the early 20th century when the state passed the Financial Responsibility Law. This law aimed to ensure that drivers took financial responsibility for any damages or injuries they caused in accidents. Instead of mandating car insurance, the law allowed drivers to demonstrate their financial responsibility through other means, such as posting a bond or depositing a certain amount of money with the state.
Over the years, the state has maintained its stance on not mandating car insurance, and the Financial Responsibility Law remains in effect. This historical background provides insight into the state's approach to car insurance and its emphasis on financial responsibility rather than mandatory insurance coverage.
Current Legal Perspective
From a legal perspective, New Hampshire's decision not to mandate car insurance is based on the state's belief in individual freedom and personal responsibility. The state allows drivers to choose whether or not to carry auto insurance, giving them the freedom to make their own decisions regarding their financial protection.
However, despite the lack of a mandatory insurance requirement, New Hampshire does have a legal framework in place to ensure that drivers can demonstrate financial responsibility. The state requires drivers to carry proof of financial responsibility, which can be in the form of an insurance policy or other acceptable means. This proof is necessary in situations where a driver is liable for someone else's injuries or damages.
New Hampshire's Financial Responsibility Law
New Hampshire's Financial Responsibility Law is the legal framework that governs the state's approach to car insurance. Under this law, drivers in New Hampshire are required to demonstrate financial responsibility in order to legally operate a vehicle on the state's roads.
Proof of financial responsibility can be provided in various forms, but the most common and widely accepted method is through an insurance policy. Drivers can purchase an insurance policy that meets the state's minimum requirements for liability coverage.
The financial responsibility law also requires drivers to carry proof of financial responsibility at all times while operating a vehicle. This proof can be in the form of an insurance ID card or other acceptable documentation.
What it Means for Drivers
For drivers in New Hampshire, the financial responsibility law means that they have the freedom to choose whether or not to carry car insurance. While insurance is not mandatory, it is highly recommended to protect drivers from financial liabilities in case of an accident.
Having car insurance provides drivers with the peace of mind that they are financially protected if they are at fault in an accident. Insurance can help cover medical bills, property damage, and other expenses that may arise from an accident.
However, without insurance coverage, drivers are personally responsible for any financial liabilities that result from an accident. This includes paying for medical bills, repairing or replacing damaged property, and potentially facing legal consequences such as license suspension and traffic violations.
Consequences of Non-Compliance
Non-compliance with New Hampshire's financial responsibility law can have various consequences for drivers. These consequences may include:
License suspension: If a driver is found to be operating a vehicle without proof of financial responsibility, their driver's license may be suspended. This means that the driver will not be able to legally operate a vehicle until the suspension is lifted.
Traffic violations: Driving without insurance is considered a traffic violation in New Hampshire. If a driver is caught driving without insurance, they may face fines and penalties imposed by the court.
Registration issues: Drivers who fail to provide proof of insurance may face difficulties when registering their vehicles or renewing their registration. The state may require proof of insurance before allowing the registration process to be completed.
Increased financial risk: Without insurance coverage, drivers are personally responsible for any financial liabilities that result from an accident. This includes paying for medical bills, property damage, and other expenses out of pocket.
Limited options for insurance coverage: Drivers who have been found to be driving without insurance may face difficulties in obtaining insurance coverage in the future. Insurance companies may consider them high-risk drivers and charge higher premiums or deny coverage altogether.
Car Accidents in a No-Mandatory-Insurance State
Car accidents can happen in any state, regardless of whether or not car insurance is mandatory. However, the absence of a mandatory car insurance law can have implications for drivers involved in accidents in a no-mandatory-insurance state like New Hampshire.
How Fault is Determined
In a no-mandatory-insurance state like New Hampshire, fault in a car accident is determined based on negligence. Negligence refers to the failure to exercise reasonable care, resulting in harm or damage to others. When determining fault in a car accident, the concept of negligence plays a crucial role.
Insurance coverage, especially liability coverage, can help drivers protect themselves in case they are at fault in an accident. Liability coverage provides financial protection by covering bodily injury and property damage caused to others in an accident.
Compensation Mechanisms Available
In the event of a car accident in New Hampshire, there are various compensation mechanisms available to drivers, including:
Medical payments coverage: This coverage option, which is mandatory in New Hampshire, helps pay for medical bills resulting from a covered accident. It can help drivers cover their own medical expenses, regardless of who is at fault in the accident.
Property damage liability: This coverage helps pay for the repair or replacement of another person's property that has been damaged in an accident where the insured driver is at fault.
Insurer compensation: If the insured driver is not at fault in an accident, they may be entitled to compensation from the at-fault driver's insurance company. This can help cover medical expenses, property damage, and other associated costs.
The following list summarizes the compensation mechanisms available in case of a car accident in New Hampshire:
Compensation Mechanism Purpose
Medical payments coverage - Helps pay for medical bills resulting from a covered accident
Property damage liability - Helps pay for the repair or replacement of another person's damaged property
Insurer compensation - Provides compensation from the at-fault driver's insurance company
Liability Insurance in New Hampshire
Liability insurance is a critical aspect of car insurance, providing financial protection for drivers if they are at fault in an accident. While liability insurance is not required by law in New Hampshire, it is highly recommended for drivers to protect themselves from potential financial liabilities.
Liability insurance helps cover bodily injury and property damage caused to others in an accident where the insured driver is at fault. This coverage can help pay for medical bills, rehabilitation costs, property repairs, and legal expenses resulting from the accident.
What Does Liability Insurance Cover?
Liability insurance covers two main aspects: bodily injury and property damage. Bodily injury liability coverage helps pay for medical expenses, rehabilitation costs, and other financial losses incurred by individuals who are injured in an accident caused by the insured driver.
Property damage liability coverage, on the other hand, helps pay for repairs or replacement of another person's property that has been damaged in an accident for which the insured driver is at fault. This can include damage to vehicles, buildings, and other types of property.
Benefits of Having Liability Insurance
Having liability insurance in New Hampshire offers several benefits for drivers. These benefits include:
Financial protection: Liability insurance provides financial protection for drivers by covering the costs of bodily injury and property damage caused to others in an accident where the insured driver is at fault. This can help drivers avoid significant out-of-pocket expenses and potential legal consequences.
Peace of mind: Knowing that they have liability insurance can give drivers peace of mind. They can drive with confidence, knowing that they have coverage in case they are at fault in an accident.
Compliance with other states' laws: Even though New Hampshire does not mandate liability insurance, drivers may need it when traveling to other states that do require it. Liability insurance ensures that drivers comply with the laws of other states and have the necessary coverage while driving in those states.
Additional Coverage Options in New Hampshire
In addition to liability insurance, drivers in New Hampshire have the option to purchase additional coverage to enhance their insurance protection. These coverage options include collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Collision Coverage
Collision coverage is an optional coverage that helps pay for repairs or replacement of the insured vehicle if it is damaged in a collision with another vehicle or object. This coverage is particularly useful for drivers who have financed or leased their vehicles, as lenders often require collision coverage to protect their investment.
Comprehensive Coverage
Comprehensive coverage is another optional coverage that helps pay for repairs or replacement of the insured vehicle if it is damaged by something other than a collision. This can include damage from theft, vandalism, natural disasters, or accidents involving wildlife.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is a type of optional coverage that helps protect drivers if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. This coverage helps pay for medical expenses and property damage that the uninsured or underinsured driver is unable to cover.
Conclusion
In conclusion, New Hampshire stands out as the only state in the US that does not mandate car insurance for its drivers. While this may seem unusual, it is important to understand the historical and legal background that has led to this unique case. Although not required by law, it is highly recommended for drivers in New Hampshire to have liability insurance to protect themselves financially in case of an accident. Additionally, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage are additional options that drivers can consider for added protection. It is crucial to be aware of the potential consequences of not having insurance and to understand the compensation mechanisms available in case of an accident. While it remains uncertain whether New Hampshire will ever change its car insurance laws, it is important for drivers to make informed decisions and prioritize their financial security on the roads.
Frequently Asked Questions
What Happens if I Drive Without Insurance in New Hampshire?
Driving without insurance in New Hampshire can have legal consequences, including license suspension, fines, and potential difficulties in registering or renewing vehicle registration.
Can I Register a Car Without Insurance in New Hampshire?
In New Hampshire, proof of insurance is not required to register a car. However, drivers must provide proof of financial responsibility if they are liable for someone else's injuries or damages.
Will New Hampshire ever Change its Car Insurance Laws?
Changes to car insurance laws in New Hampshire would depend on various factors, including state legislation and public opinion. While there may be discussions and debates about car insurance laws, any changes would require significant policy changes.
What to Do in Case of an Accident if I’m Uninsured in New Hampshire?
If you are uninsured and involved in an accident in New Hampshire, you may need to pay for medical expenses and property damage out of your own pocket. It is advisable to seek legal advice to understand your options and obligations.
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