How do you handle a car accident without insurance?

I don’t have car insurance, but I live in New Hampshire where it’s not illegal to drive without it. What do I do if I get in an accident?

Answer
While New Hampshire doesn’t have mandatory insurance laws, it is risky to be driving around without insurance.
New Hampshire is an at-fault state. This means if someone decides you were at fault all the financial burden falls on you. This can put you out thousands of dollars, especially if you’re found to be at fault in a major accident and are paying for property damage and medical bills.
Dealing with a small fender bender without going through insurance is possible, but if you go this route make sure you keep very clear records of the incident. Notate the following at the time of the accident:
  • The other driver’s name
  • Their phone number
  • Their address
  • Their driver’s license number
  • The license plate number
  • Take photos of the damage to both cars
  • Take photos of anything that might’ve led to the accident
Contact the police and be sure to get a copy of the police record. You want to get this information because you need to make sure you have a paper trail and are covered. If you decide to settle, make sure it’s with a legally binding document, and you should never agree to anything verbally. It’s best to have someone else help you look over everything if possible.
Talk to mechanics to get quotes for the damages. Usually, you want about three estimates to figure out how much it’ll cost for both vehicles.
With all that said, it’s still smart to have insurance to protect you on the road. If the price of insurance is what’s holding you back, or the amount of paperwork involved you should try the Jerry app. Jerry will take care of all the paperwork and phone calls for you. The best part? Average Jerry users save $879 per year on car insurance.
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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