Minimum Liability Insurance New Hampshire NH
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.
Tags: DMV, DWI insurance, liability insurance, sr22 car insurance, traffic violation
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