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Purchase uninsured coverage in case of serious car accidents

Although New Hampshire does not have a mandatory requirement for drivers to have automobile insurance, those drivers must prove that they can cover the costs of damages related to an accident. While having insurance coverage is a prudent idea, some people either refuse to obtain or cannot afford insurance. When car accidents occur, the failure to have liability insurance can cause innocent and injured victims a great deal more suffering and sacrifice than what they could have possibly expected.

A person injured in an accident where the wrongdoer, i.e., the party who drove negligently and caused the accident, was uninsured may go without compensation for his or her injuries. If the injured person is covered as a driver or passenger under a policy, then there probably will be some compensation available despite the uninsured status of the wrongdoer. First, the injured person is likely to have some amount of medical bills coverage depending on how much was purchased by the policy owner.

In addition, if the injured person was covered as a driver or passenger under a policy that contains liability insurance, New Hampshire law requires an equal amount of uninsured motorists' coverage. In order to protect against being injured in an accident by an uninsured motorist, one should purchase as much of this kind of insurance as one can reasonably afford. A similar kind of coverage, underinsured motorists' coverage, pays the injured person when he or she is injured by someone with insufficient liability coverage to fully compensate the injured person.

Even though New Hampshire law does not require an operator to purchase insurance for car accidents, the driver may lose his or her driving privileges if there are injured victims left uncompensated. Another problem in the auto insurance arena is that the wrongdoer may have had a minimum amount of liability coverage, such as $25,000. Some serious injuries require much higher amounts for adequate compensation. However, there are several other avenues of coverage that may exist, making it wise to consult first with a personal injury attorney who will determine precisely how much coverage is available from all sources.

Source:, "Uninsured Drivers: Protecting You and Your Family On the Road. :", July 26, 2016

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