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New Hampshire Auto Insurance Information
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(also Maine)
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The value of good auto insurance often doesn't become
apparent until you really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on. |
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Let one of our experienced New Hampshire auto
insurance policy specialists explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck, RV, and car insurance policies from a leader in the insurance industry. |
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Learn more about New Hampshire Auto Insurance
policy coverage options below! |
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Click on the link below to fill out a quote request form for a Auto
Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our New Hampshire Auto Insurance agent specialist toll free at 1-800-678-3431 to discuss the features. |
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We are your local southeastern New Hampshire, southern Maine insurance
agency, offering affordable auto insurance policy premiums in the following cities and counties: Somersworth, Durham, Portsmouth, Dover, Rochester, Rollinsford, Barrington, Madbury, Lee, Strafford, Farmington, Milton, Barnstead, Nottingham, Northwood, Raymond, Newmarket, Newfields, Stratham, Rye, Hampton, Epping, Exeter, Salem, Danville, Deerfield, West Rye, Derry, Chichester, South Barnstead, Gilmanton, New Durham, Wolfeboro, Alton, Laconia, Berlin, Lebanon, East Candia, North Hampton, Hanover, Littleton, Plymouth, Claremont, Newport, Keene, Hampton, Rye Beach, Strafford County, Rockingham County, Hillsborough County, Merrimack County, and Belknap County, NH. We also offer auto insurance policy services throughout the state of New Hampshire, including the Manchester, Nashua, and Concord area. Our service area in southern Maine includes the following cities and counties: South Lebanon, Kittery, Eliot, Berwick, Sanford, Blaisdell Corners, Springvale, Emery Mills, Wells Beach, York Beach, Kittery Point, Kennebunk, Saco, Biddeford, Alfred, Portland, Scarborough, Westbrook, Waterboro, Shapleigh, Newfield, Buxton, Goodwins Mills, South Sanford, Cape Elizabeth, South Portland, York County, and Cumberland County, ME. |
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This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
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Underinsured Motorist Bodily Injury Coverage
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This type of auto insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required auto insurance coverage in New Hampshire. |
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Underinsured Motorist Property Damage Coverage
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Protects you if your auto is damaged in an accident caused by a driver who
has insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in New Hampshire. |
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New Hampshire Auto Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for an Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or speak with our New Hampshire Auto Insurance agent specialist toll free at 1-800-678-3431 to discuss the features. |
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Covers damage caused to the insured's auto (your automobile) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the New Hampshire auto insurance policy. |
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Covers damage caused to the owners auto from a collision caused
by another auto or other object. The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy. |
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New Hampshire Auto Insurance Policy FAQ
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New Hampshire Auto Insurance Policy FAQ
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New Hampshire Auto Insurance Policy FAQ
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Bodily Injury Liability
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Injuries that you (insured) cause to someone else is covered under this part of
an auto insurance policy. The minimum liability insurance coverage available for purchase in New Hampshire is 25/50 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us toll free at 1-800-678-3431 to discuss what liability coverage amounts you require to meet your family and personal needs. |
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New Hampshire Liability Coverage limits explanation:
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25/50/25 25=$25,000 - 50=$50,000 - 25=$25,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
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Property Damage Liability
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Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in New Hampshire is $25,000. |
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Benefits Provided Include:
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Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray,
dental and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
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Necessary remedial treatment (nursing home care or home nursing care).
Pays 60% of gross income loss caused by inability to work because of an
injury suffered in an accident.
$5,000 death benefit
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New Hampshire Auto Insurance Policy FAQ
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New Hampshire Auto Insurance Policy FAQ
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New Hampshire does not require (PIP) or personal injury protection coverage.
This coverage pays medical bills for injuries suffered in an auto accident regardless of who caused the accident. |
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Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding in or driving your car, RV, or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is not a required Auto Insurance coverage in New Hampshire. |
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New Hampshire Auto Insurance Policy FAQ
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25/50 25=$25,000 - 50=$50,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
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Example of uninsured motorist limits:
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Covers the insured (you) for your bodily injury caused by a hit-and-run driver
or an at-fault driver who has no auto liability insurance. This coverage is required for Auto Insurance in New Hampshire. Contact us toll free at 1-800- 678-3431 to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
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Copyright 2005-2008 Gorman Insurance &
Risk Management Services - All rights reserved
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**The information, pictures, and other content in this website about particular
insurance or financial services is only provided for informational purposes. Any decisions regarding these services should be discussed with a licensed insurance agent or financial services representative. |
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Auto Insurance
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Personal Insurance
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(also Maine)
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(also Maine)
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(also Maine)
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(also Maine)
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(also Maine)
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(also Maine)
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(also Maine)
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(also Maine)
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Gorman Insurance &
Risk Management Services
396 High Street
Somersworth, NH 03878
Strafford County, NH
(603) 692-3431
(603) 868-3598 - Durham
Toll Free: 1-800-678-3431
Fax: (603) 692-2660
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Answer a few questions
and we will provide you with a quote by email or phone. Choose the Personal or Business insurance coverage you're interested in from the menu above. |
