We love our cars here in New Hampshire. From going mudding through backcountry roads to zipping around city streets and cheering at the speedways, autos are basically ingrained in our way of life. Our team at Able Insurance Agency LLC is here to help you get your car protected so you can keep living that life without getting slowed down. Auto insurance is not required in the state, but you will have to pay for damages and incidents that you cause when driving a vehicle. So, with this in mind, here's what all drivers in New Hampshire need to know:
Obtaining a Policy
New Hampshire is one of the few states left in the U.S. that does not require its drivers to obtain minimum liability insurance coverage. Liability coverage is still ideal due to the state's laws requiring the driver who caused a problem to pay for said problem. Liability will pay for another person's injuries or damages to their vehicle if you are the cause of an accident. Our insurance agents highly suggest that you obtain this minimum coverage regardless of state law.
There are occasions when you may be required to carry full auto coverage on your vehicle. If you have a lender or have taken out a loan for your vehicle to purchase it, the company or bank that loaned the money can require you to obtain full coverage for the vehicle as a stipulation to the loan. This will mean that you will need coverage, including comprehensive, liability, and collision policies. Please speak with our team to learn more about what other options are available.
New Hampshire Auto Insurance 'Follows the Car'
All New Hampshire drivers need to know that, in our state, auto insurance generally "follows the car." In a nutshell, if your friend or family member borrows your car and gets in an accident, it will be your auto insurance used to cover the costs. This is why many people choose to add other drivers to their policy to make sure they're getting the coverage they need and not have to shoulder the burden alone.
Explore Your Auto Coverage Options with Able Insurance Agency LLC
Ready to learn more about your New Hampshire auto insurance options and get the coverage you need? Give our team at Able Insurance Agency a call to get started!