In This Article
Why This Happens So Often Here
New Hampshire is unusual in not requiring most drivers to carry auto liability insurance. As a result, a meaningful share of drivers on the road are uninsured. If one of them causes your crash, there may be no liability policy to pay your claim — a frustrating and frightening situation when you are facing medical bills.
Your Own Coverage Is Key
Uninsured/underinsured motorist (UM/UIM) coverage on your own auto policy is designed for exactly this scenario. It steps into the shoes of the missing insurance and can pay for medical bills, lost wages, and pain and suffering up to your policy limits. Medical payments coverage and health insurance may also help. Many New Hampshire drivers do not realize they carry UM/UIM until they need it.
Pursuing the At-Fault Driver
You can also pursue the uninsured driver personally, though collecting from someone without insurance or significant assets is often difficult. An attorney can evaluate whether that path is worthwhile and focus first on the coverage most likely to actually pay.
Don't Assume You're Out of Options
Too many uninsured-driver victims assume nothing can be done and give up. In reality, your own policy often provides a path to real compensation. A free case review can identify the coverage available in your situation.
Talk to a New Hampshire Injury Specialist — Free
This article is general information, not legal advice. For guidance on your specific situation, get a free, confidential case review. You pay nothing unless you win.
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