Uninsured Motorist Insurance Protects YOU

Did you know that the uninsured motorist coverage policy that every New Hampshire driver has on their own auto policy also covers them when they are a pedestrian or riding a bicycle? In other words, if you are struck by a car while riding a bicycle and the driver has no insurance or inadequate insurance, your own uninsured motorist policy will provide you coverage for your damages, including medical bills, pain and suffering, lost earnings, etc.  If you are a pedestrian and struck by a vehicle with no insurance or inadequate insurance, the same would be true and your own auto policy would be available to protect you. 

In addition to your own auto policy, if you reside with other members of your family, any vehicle owned by family members with whom you reside will generally also provide you with uninsured motorist coverage.

So, with the laws of NH not requiring automobile insurance and the struggling economy and high employment numbers continuing to hold people back from buying it, you would be very wise to pick up this relatively cheap insurance to save you the hassle of medical and legal bills in the event of an accident.

Articles contained here are not intended to provide legal advice, only providing general information. We encourage individuals to consult with an attorney regarding individual circumstances.