Uninsured Motorist Coverage — New Hampshire
Uninsured and underinsured motorist coverage pays for your injuries and vehicle damage when you're hit by a driver who has no insurance or not enough insurance to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) are optional add-ons to your auto policy that step in when the driver who hits you doesn't have insurance or doesn't have enough. UM pays when the other driver has zero coverage; UIM pays when their liability limits are too low to cover your medical bills and vehicle damage. Both coverages draw from your own policy, not the at-fault driver's, so you file the claim with your own carrier. New Hampshire doesn't mandate UM/UIM, but carriers must offer it when you buy a policy.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
UM/UIM makes sense if you live in New Hampshire and don't carry collision or comprehensive coverage, because it's your only protection against an uninsured driver who totals your car. If you carry minimum liability limits yourself, UM/UIM is often the cheapest way to protect against catastrophic injury costs when the other driver is underinsured.
Buy UM/UIM if the cost of replacing your vehicle or covering your medical bills out of pocket would create financial hardship and you don't have collision coverage or a health plan with zero-cost accident coverage. Skip it if you carry full coverage with low deductibles and comprehensive health insurance that doesn't exclude auto accidents. The decision turns on whether you're willing to absorb the loss when an uninsured driver hits you, because New Hampshire won't force them to pay and most have no recoverable assets.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your county's uninsured driver rate—areas with higher percentages of uninsured motorists see higher UM/UIM premiums because claim frequency is higher.
- Whether you stack coverage across multiple vehicles—stacking lets you combine UM/UIM limits from all cars on your policy, which doubles or triples your protection but raises the premium proportionally.
- State requirements—New Hampshire doesn't mandate UM/UIM, so carriers price it as optional; states that require it bake the cost into every policy.
