If you decide to buy liability coverage, it must meet the following requirements:
- $25,000 liability coverage for property damage caused by the owner or driver of the vehicle;
- $25,000 liability coverage for bodily injury or death of one person caused by the owner/driver; and
- $50,000 liability coverage for total bodily injury or death liability caused by the owner/driver.
New Hampshire Revised Statutes Title XXI Section 264:16 imposes another requirement. Liability policies must include medical payments coverage of at least $1,000. Medical payments coverage covers your medical costs regardless of who was at-fault. Some other rules that apply to medical payments coverage include:
- Coverage only applies to medical costs incurred during the 3-year period from the date of the accident;
- Policy holders are not entitled to duplicate payments. You cannot collect under MedPay and a health insurance policy.
If you buy liability insurance, you must also buy uninsured motorist coverage (UM). UM covers damages that you incur from a driver that lacks adequate insurance. It also protects you in accidents involving a hit-and-run. Under New Hampshire auto accident laws, you must carry the same amount limits as listed above.
If you are at-fault for the accident, liability insurance will not cover your damages. You will need to rely on other insurance. For example, collision coverage will reimburse you for the costs of fixing your car.
Reporting Requirements for Car Accidents in New Hampshire
New Hampshire Revised Statutes Section 264:25 provides car accident reporting requirements. Under the statute, drivers must report an accident if:
- The accident resulted in injury or death to any person; or
- The accident resulted in property damages of more than $1,000.
Drivers must report the accident to the New Hampshire Division of Motor Vehicles within 15 days.
Recovering Damages in a New Hampshire Car Accident Case
New Hampshire does not have a cap on personal injury damages. This means that a jury can award you the full amount of your economic and non-economic damages. Economic damages are those that are easy to calculate. For example, medical bills and lost wages. Non-economic damages are those that are difficult to calculate. For instance, damages for pain and suffering and mental anguish.
There are several different ways injured drivers can recover damages in New Hampshire. If you or the other driver have liability coverage you should contact them to report the accident.
Your insurance company will work with the other driver’s to make a fault determination.
If you are at-fault, the other driver’s insurance company will not pay for your damages. You will need to turn to your own insurance company for compensation. For example, you may have purchased collision coverage. Collision coverage will pay to repair or replace your vehicle. If you have MedPay coverage, you can seek reimbursement for medical expenses.
If the other driver is at-fault, his insurance company will pay for
your damages. They will usually try to settle. The first offer is often low. Accepting is usually a mistake. You should consider consulting with an experienced New Hampshire car accident lawyer. The lawyer can inform you of your rights and help value your claim.
If the other driver does not have insurance, you can attempt to settle directly with him. Parties are often willing to settle to avoid litigation. If you are unable to reach a settlement, you can file a lawsuit.
Your suit will usually name the other driver and/or his insurance company as defendants. In some cases you may also need to list third party defendants. If you go to trial, you will need to prove negligence. Negligence means that the other driver failed to exercise a reasonable standard of care. And his failure must have caused the accident. Remember, you cannot be more at-fault for the accident. If you are, you will not recover under New Hampshire auto accident laws.
New Hampshire Car Accident Settlement Calculator
Did you or someone that you know suffer an injury in a car accident in New Hampshire? Use our free online Injury Settlement Calculator to see what your case might be worth.