Liability Coverage pays for damages to others for which you are legally liable. If you buy Auto Insurance in New Hampshire, the minimum limits available for Liability Coverage are 25/50/25, or $25,000 per person for bodily injury, up to $50,000 if 2 or more persons are hurt, and up to $25,000 for property damage. Liability Coverage does not pay to repair damage to your own auto. This type of insurance is called Collision (damage due to contact with another auto or object) and Comprehensive (damage incurred due to reasons other than a collision) Coverage. Per New Hampshire Statutes, NH RSA 264:16, if you buy Auto Insurance for personal use, you must also buy Medical Payments Coverage. Medical Payments Coverage pays for medical expenses incurred as a result of an automobile accident (regardless of fault). By law, you must buy at least $1,000 of Medical Payments Coverage. CHOO SING THE COVERAGE YOU NEED 1 Per New Hampshire Statutes, NH RSA 264:15, if you buy Auto Insurance you must also purchase Uninsured Motorists Coverage. Uninsured Motorists Coverage provides coverage should injuries result from an accident involving an at-fault uninsured driver, or a hit and run driver. It also protects against injuries caused by insured drivers whose coverage is less than your own. In New Hampshire, Uninsured Motorists Coverage must be provided at limits equal to your Auto Liability Coverage. You do not have to buy Collision Coverage or Comprehensive Coverage to protect your autos, unless you are obligated by your lender. If you do not purchase coverage for either or both of these options, you will need to personally fund any repair to your auto made necessary due to collision with another auto or a normally covered non-collision loss.
Common Types of Coverage Available The following types of coverage are generally available in New Hampshire: • Auto Liability Coverage – This provides coverage for liability incurred as the result of an auto accident caused by you. It also covers expenses for a lawyer to defend you should that become necessary. There are two kinds of liability coverage: Bodily Injury and Property Damage • Bodily Injury Liability Coverage – This coverage pays for claims made as the result of injury to others resulting from an accident you cause. It compensates others for pain, suffering and economic damages, such as lost wages. • Property Damage Liability Coverage - This coverage pays for damage to another auto or property of others incurred as the result of an auto accident caused by you. • Uninsured or Underinsured Motorist Bodily Injury Coverage - This coverage pays for injury to you if you are involved in an accident involving an automobile driven by an individual who is uninsured or underinsured and who is found to be liable for your damages. • Medical Payments Coverage – This coverage pays for medical costs incurred as a result of injuries sustained in an accident without regard to fault. This coverage will pay for covered expenses up to one year (this time-frame may vary by insurance company) following the date that the injuries are sustained. • Collision Coverage – This coverage pays for damage to your auto when it collides with another auto or object. This coverage is
generally required by a lender, if a loan is obtained on your vehicle.
Comprehensive Coverage – This coverage pays for damage to or the loss of your auto from causes other than collision (for example: hail, vandalism, fire, theft, etc.). This coverage is generally required by a lender, if a loan is obtained on your auto. • Towing and Labor Coverage – This coverage reimburses you for towing expenses when your auto becomes disabled and requires roadside assistance. • Rental Reimbursement/Transportation Expenses – This coverage, if provided, pays a specified amount for help in covering the necessary rental of a substitute auto while yours is being repaired. This coverage applies for a limited period of time and is referenced in your policy conditions.
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