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Liability Insurance — New Hampshire

Liability insurance covers damage and injuries you cause to others in an accident — their medical bills, vehicle repairs, and legal costs if you're sued.

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What Is Liability Insurance Insurance?

Liability insurance pays for damage and injuries you cause to other people in an at-fault accident. It has two components: bodily injury liability covers medical bills, lost wages, and legal defense if the other driver sues you; property damage liability covers repairs to their vehicle, fence, building, or other property you hit. Your own injuries and vehicle damage are not covered — liability only pays out to third parties you harm.

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Who Needs Liability Insurance Insurance?

Even though New Hampshire doesn't mandate it for most drivers, one serious accident can result in wage garnishment, asset seizure, and license suspension if you can't cover the other party's costs.

If that amount would force you to liquidate retirement accounts, take loans, or face wage garnishment, carry liability coverage.

How Much Does Liability Insurance Insurance Cost?

  • Your violation history — a DUI or at-fault accident in the past three years can double liability premiums.

Related Coverage Types

A man in a dark sweatshirt and worn cap sits in the driver's seat of a vehicle, pulling the seat belt across his chest toward the buckle, with tool cases behind him and a house and bare trees visible through the window.Uninsured and Underinsured Motorist Coverage→An open dark metal mailbox on a post with a white envelope inside and the red flag raised, with a blurred SUV, driveway and house in the background.Minimum Coverage Car Insurance→A bearded man in a dark gray long-sleeve shirt sits at a wooden table working on a laptop, with printed plans, a folder, and an insulated tumbler nearby and a window showing a sunset behind him.Personal Injury Protection→A bearded man in a dark shirt sits at a wooden desk typing on a laptop, with rolled drawings, a notebook and pen in front of him and a large window showing trees at dusk behind.Non-Owner Car Insurance→
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