New Hampshire is unique in that it is one of the only states that does not require motorists to carry car insurance. In instances where a New Hampshire’s driver’s negligence results in property damage or bodily injury, the driver must pay for the other party’s damages. In some circumstances, the liable party refuses or cannot pay the costs; in those cases, the state will suspend the driver’s license until they can arrange a payment plan or obtain coverage. However, in some situations, the at-fault motorist may not pay, and New Hampshire drivers should retain an experienced car accident attorney to help them recover for their damages.
Although New Hampshire does not require motorists to obtain car insurance, they must still offer uninsured/underinsured motorist (UIM) coverage. They must allow drivers to purchase an amount that equals the driver’s liability coverage. This coverage generally covers the policyholder as a driver, pedestrian, or passenger in another vehicle. Additionally, it protects passengers and other authorized drivers. Some policies even apply to passengers that suffer injuries when the driver is an authorized driver in another vehicle. However, the insurance company’s main objective is their financial interest, and there are situations where they will deny coverage.
For instance, a state appellate court issued an opinion addressing issues that frequently arise in New Hampshire personal injury lawsuits and claims against insurance companies. In that case, a special needs child suffered abuse while he was a passenger on a school bus. He evoked his mother’s uninsured motorist provision to recover for the injuries he sustained because of the abuse. The insurance company refused to pay out damages and stated that the provision only applies to injuries that “arise out of the ownership, maintenance, or use” of an uninsured vehicle. The court ultimately found in favor of the insurance company and refused to cover the child’s injuries.