Insurance – Uninsured Motorist Coverage
While New Hampshire law does not require that you purchase liability coverage, it does require that if you do purchase auto insurance you must also purchase Uninsured Motorist Coverage (“UM coverage”). NH RSA 264:15. UM 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, UM coverage must be provided at limits equal to your liability coverage.
Who Does UM Coverage Protect?
With so many uninsured drivers on the road, it is a good idea to take a close look at your policy. The majority of UM insurance policies provide coverage in the following scenarios:
• You as a passenger in another car
• Your passengers
• Authorized drivers operating your car with your permission
Filing an Uninsured Motorist Claim
If you need to pursue a UM coverage claim against your own insurer, it is a good idea to speak to an attorney first. These claims are more complicated than standard car accident insurance claims and require in-depth knowledge of insurance and personal injury law. With an experienced attorney at your side, you are far more likely to get the compensation you need to pay your bills.
Bouchard, Kleinman & Wright, P.A.: New Hampshire Full Service Law Firm
For clients throughout New Hampshire, the attorneys at Bouchard, Kleinman & Wright, P.A. provide exceptional and personalized counsel in a number of areas critical to people’s everyday lives. Whether it be personal injury, medical malpractice, insurance, estate law, or property law, our attorneys are focused on effective representation that takes your specific and unique needs into account. Call (603) 623-7222 for a free consultation, and to learn more about how we can help you resolve your legal issues.