Why Am I Required to Get Car Insurance in New Hampshire?
Reader’s Question:
I’m from New Hampshire and am quite aware that drivers are not required to have car insurance. What could be the reasons why my teenage son was required to obtain one?
Sharon
Manchester, NH
The State of New Hampshire still has this very traditional and old-fashioned philosophy of minimized regulation. This is why car insurance coverage is not required to its drivers. But while New Hampshire does not force its motorists to carry at least the liability insurance, some drivers are required to carry it.
Normally, a violation or conviction for traffic infractions triggers this car insurance requirement. A driver convicted for Driving While Intoxicated (DWI) in New Hampshire will be required to obtain minimum liability insurance. Another case could be accumulation of multiple Department of Motor Vehicles (DMV) Demerit Points.
A notice will be mailed by the state informing a driver of insurance requirements. Since your son has been required to acquire liability insurance, he must have had multiple traffic tickets or a DWI violation (and just hasn’t informed you yet). The state will request proof of financial responsibility from his insurance carrier. This form, the SR22, will be filed by the insurance company to the Department of Motor Vehicles on your son’s behalf to show that he has obtained coverage. If he has been charged with DWI, the SR22, meaning the liability insurance coverage, will be carried for three years. If traffic tickets triggered this insurance requirement to your son, then you can expect high insurance rates.
What Does No Fault State Auto Insurance Means in Kentucky?
Reader’s Question:
I heard that Kentucky is a no fault state. What does no fault really mean? Does this mean that when I get involved in an accident no one is going to be determined as the at fault party? Both parties are considered innocent? I’m just confused right now and I hope that someone can help me with my confusion.
Gerry
Lexington-Fayette, KY
Surely Gerry I’d be more than happy to enlighten you. You are correct in some way. But let me just give you a clearer explanation about your question.
The state of Kentucky is a choice no fault. This means that you as a driver have the option to choose whether you’ll go for tort liability or the no fault car insurance method.
Let me define first what the tort liability is. Under this system, restrictions regarding lawsuits are not applicable. Hence, if you get involved in an accident and you are the at fault party then you can be sued by the other party for the pain they incurred from the said accident.
Meanwhile, if you choose the no fault auto insurance, then you must buy personal injury protection. This will provide coverage for the expenses related to injuries and other cost incurred from the accident. Let me emphasize that this coverage would provide support no matter who the at fault party is. Thus, your auto insurance company will automatically provide coverage and pays for you .In exchange for this set up, you are required to give up some of your rights to sue the other party. This works for you too. You may not be sued by the other party also. However, this still depends on the gravity of the accident and the financial matters involved.
If you have additional questions about no fault auto insurance in Kentucky, do not forget to ask your car insurance agent.
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