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Some facts about uninsured motorist crashes in New Hampshire

Most motorists don't daily ponder the ramifications should they be involved in an accident, but if asked, it's likely that many New Hampshire drivers would assume an involved driver's insurance policy would cover damages. What happens when you are in an accident caused by an uninsured motorist, though? According to the New Hampshire Division of Motor Vehicles, there are some actions the state will take.

Individuals involved in an accident caused by an uninsured motorist can report the accident to the FR Crash Unit and request that the at-fault motorist's driver's license be suspended. Not all accidents fit the bill for this approach, though. Combined damages must be a combined $1,000 or greater or the accident must involve a personal injury.

Requests must include a specific written request for the state to take action, an estimate of damage in writing and a copy of an Operator or police report. If the request is valid, the state will revoke the motorist's ability to drive within New Hampshire and will even send a notification to another state if the motorist is from out of state.

Obviously, revoking a license doesn't actually make good on any damages or injuries that occurred because of an accident caused by an uninsured motorist. However, such a tactic could play a role in settlement negotiations. According to the New Hampshire DMV, driving privileges are only returned if the parties report coming to an agreement or the at-fault driver makes payment for the full amount of damages to the DMV, which will then transfer payment to the injured party. The tactic might be something to consider as an overall legal strategy.

Source: New Hampshire Department of Safety, "Financial Responsibility > Frequently Asked Questions > Crashes and Accidents" Jan. 04, 2015

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