What happens if an uninsured driver is at fault in an accident in New Hampshire?

Can anything happen to you since you aren't required to have insurance? Do you have to pay for any damage or injuries you cause?

Answer provided by
Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“New Hampshire is one of the only states that does not require drivers to carry insurance as part of their state minimum car insurance. If you don’t have insurance, you are required to pay out of pocket for any damages or injuries you cause.
If you have insurance and an uninsured driver is at fault, you’d need uninsured motorist coverage to protect you.
While you won’t face a fine for being uninsured, you could face legal troubles if you injure someone or damage their property and aren’t able to cover the costs. If you think an accident would cause you financial hardship, you should carry car insurance, even if it’s not required.”

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