Call Us (603) 875-1200 Info@MorinAgency.com
Morin Insurance Agency Morin Insurance Agency Morin Insurance Agency
  • HOME
  • GET A QUOTE
    • AUTOMOTIVE INSURANCE
      • GET AN AUTO QUOTE FROM MORIN INSURANCE
      • MOTORCYCLE INSURANCE QUOTE
    • BUSINESS & COMMERCIAL INSURANCE
      • COMMERCIAL AUTO INSURANCE QUOTE
      • GENERAL LIABILITY QUOTE FORM
      • BUSINESS OWNERS (BOP) QUOTE FORM
      • BUILDERS RISK QUOTE FORM
      • LIQUOR LIABILITY QUOTE FORM
      • WORKERS COMPENSATION QUOTE
    • HOMEOWNERS INSURANCE
      • HOMEOWNERS INSURANCE QUOTE
      • MANUFACTURED HOME QUOTE
      • HOMEOWNER FLOOD QUOTE
    • LIFE INSURANCE
      • TERM LIFE INSURANCE QUOTE FORM
      • LIFE INSURANCE QUOTE FORM
    • RENTERS INSURANCE
      • RENTERS INSURANCE QUOTE
  • SERVICES
    • AUTOMOTIVE INSURANCE
      • REQUEST ID CARD FOR AUTO POLICY
      • REQUEST DECLARATION AND COVERAGES PAGE FOR AUTO POLICY
      • ADD VEHICLE TO EXISTING AUTO POLICY
      • REMOVE VEHICLE FROM EXISTING AUTO POLICY
      • ADD DRIVER TO EXISTING AUTO POLICY
      • AUTO ACCIDENT CLAIM FORM
    • BUSINESS & COMMERCIAL INSURANCE
      • REQUEST ID CARD FOR COMMERCIAL AUTO POLICY
      • REQUEST DECLARATION AND COVERAGES PAGE FOR AUTO POLICY
      • ADD VEHICLE TO EXISTING AUTO POLICY
      • REMOVE VEHICLE FROM EXISTING COMMERCIAL AUTO POLICY
      • ADD DRIVER TO EXISTING COMMERCIAL AUTO POLICY
      • REMOVE DRIVER FROM EXISTING COMMERCIAL AUTO POLICY
      • REQUEST GENERAL LIABILITY CERTIFICATE OF INSURANCE
    • HOMEOWNERS INSURANCE
      • Request Declaration and Coverages Page for Existing Homeowners Insurance Coverage
      • Homeowners Property Loss Claim Form
    • RENTERS INSURANCE
      • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
      • Renters Property Loss Claim Form
  • TESTIMONIALS
  • BLOG
  • RESOURCES
    • IMPORTANT LINKS
    • REFER A FRIEND
    • CALCULATORS
  • ABOUT US
    • MEET OUR EMPLOYEES
    • OUR LOCATION
    • PRIVACY POLICY
  • CONTACT
  • Home
  • -
  • Motorcycle Insurance
  • -
  • New Hampshire Auto Insurance: Coverage Options
auto insurance new hampshire

New Hampshire Auto Insurance: Coverage Options

  • October 15, 2021

Unbeknownst to many, per statute, NH RSA 264:15, you must also purchase Uninsured Motorists Coverage if you buy auto insurance in New Hampshire. This coverage should be at limits equal to your auto liability coverage. UMC provides coverage should injuries result from an accident involving an uninsured driver or a hit and run. Further, this coverage also protects against damages caused by insured drivers whose coverage is less than yours. 

At Morin Insurance Agency, this is just one of the many facts we’ve found most insured drivers are unaware of. Here, we delve deeper into the various coverage options available and why you may consider them.

 

Common Types of Coverage Available

Auto Liability – Auto liability provides coverage for liability incurred due to an auto accident caused by you. It also covers expenses for a lawyer to defend you should that become necessary. There are two kinds of liability coverage: bodily injury and personal damage.

Bodily Injury Liability – This coverage pays for claims made as the result of injury to others resulting from an accident that you are at fault. The coverage compensates others for pain, suffering, and economic damages, such as lost wages.

Property Damage Liability – Property damage liability pays for incurred damages to others’ auto or property due to an at-fault auto accident.

Uninsured or Under-insured Motorist Bodily Injury – This coverage pays for injury to you if you are involved in an accident involving an automobile driven by an uninsured or under-insured individual who is found to be liable. 

Medical Payments – is coverage for medical costs incurred as a result of injuries sustained in an accident without regard to fault. This coverage pays for covered expenses up to one year following the injuries sustained. It is important to note that times may vary between insurance companies.

Collision* – This coverage pays damages to your vehicle if it collides with another auto or object. This coverage is generally required when there is a lien on the vehicle.

Comprehensive* – Comprehensive coverage pays for damage to or the loss of your auto from causes other than collision (for example, hail, vandalism, fire, theft, etc.). Similar to collison, this coverage is often required by lenders.

Towing and Labor – Should your auto become disabled and require roadside assistance, this coverage will reimburse your towing expenses.

Rental Reimbursement / Transportation – This coverage, if provided, pays a specified amount for help in covering the necessary rental of a substitute auto while yours is being repaired. 

*Collision and Comprehensive coverage policies are not a requirement unless obligated by a lender. However, if you choose not to purchase these coverages, you are financially responsible. Any needed repairs due to a collision will now weight upon you for remedy. 

 

Morin Insurance Agency is a family-owned and operated independent agency located in Alton, NH. Contact our team today to receive your free New Hampshire auto insurance quote at (603) 875-1200.

prev post next post

Related Posts

auto insurance new hampshire

What to Do If You Get Into a Car Accident on Vacation

May 15, 2025
motorcycle insurance nh

NH Motorcycle Insurance: Protect Your Ride

May 15, 2024
auto insurance nh

4 Types of NH Auto Insurance Coverage

April 15, 2024

Categories

  • Auto Insurance
  • Business Insurance
  • Commercial Insurance
  • home insurance NH
  • Home Owner Insurance
  • Life Insurance
  • Morin Insurance
  • Motorcycle Insurance
  • Renters Insurance

Archives

  • May 2025
  • March 2025
  • January 2025
  • November 2024
  • September 2024
  • May 2024
  • April 2024
  • March 2024
  • February 2024
  • January 2024
  • December 2023
  • November 2023
  • October 2023
  • September 2023
  • August 2023
  • July 2023
  • June 2023
  • May 2023
  • April 2023
  • March 2023
  • February 2023
  • January 2023
  • December 2022
  • November 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • April 2021
  • March 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • August 2020
  • June 2020
  • April 2020
  • February 2020
  • December 2019
  • November 2019
  • October 2019
  • March 2019
  • February 2019
  • January 2019

Our Blog

auto insurance new hampshire
15 May, 2025 Auto Insurance

What to Do If You

Vacation is supposed to be fun and relaxing, but accidents can still happen. Even getting

flood insurance ct
15 Mar, 2025 Home Owner Insurance

Spring is Here. How’s Your

Now that spring is here, it’s time to think about flooding. Luckily, you have the

boat insurance ct
15 Jan, 2025 Morin Insurance

4 Reasons to Keep Your

Even though your boat is out of the water for the winter, that doesn't mean

Read More

At Morin Insurance Agency, we have not forgotten what brought us to where we are today. We continue to take our time with each customer. Contact us Today!

Contact Us

Phone :  (603) 875-1200
Fax Number: (603) 875-1201
Email: info@morinagency.com

Follow Us

Facebook-f Linkedin

Hours

SAT – SUN  CLOSED
MON – FRI  8:30 – 4:30

Get A Quote Today

Location

24 Mount Major Hwy
Alton Bay, NH 03810

P.O. BOX 1372
Alton NH 03809

IMPORTANT LINKS

  • Contact Us
  • Get A Quote
  • Read Our Blog
  • About Us
Do you like this site?

Copyright © Morin Insurance Agency 2024.  All Right Reserved