Bikers in New Hampshire know that the summer season is the perfect time to pull out their motorcycles and hit the road. But did you know that NH motorcycle insurance isn’t required by law? Additionally, the Granite State is only one of three states that don’t require bikers to have an insurance policy! Although Morin Insurance recommends that motorcycle owners invest in a policy because accidents and bike repairs can be costly! Furthermore, during the summer months, a biker’s risk of an accident increases exponentially.
Requirements
Even though the average biker in NH doesn’t require insurance, there are a few who do. Anyone with a court-ordered SR-22 is required to have proof of a liability insurance policy. But what’s an SR-22, and does it affect me? Well, it’s only required for people who exceeded the limit of the following infractions:
- Involved in an accident without insurance
- Convicted of a DUI
- Convicted of reckless driving
- Exceeded the limit of allowable traffic violations
Furthermore, there are also minimum coverages required if you have to file an SR-22 in New Hampshire. Your policy must meet the following standards of liability insurance:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 in property damage
- $1,000 in medical payments
- $25,000 in uninsured/under-insured motorist coverage per person
- $50,000 in uninsured/under-insured motorist coverage per accident
That said, it doesn’t apply to most people. Regardless, having at least a liability insurance policy on your motorcycle will help anyone in the case of an accident.
Summer Coverage
During the warm New England summers, many riders hit the road with their bikes for various reasons. When school is out, there is an increase in traffic congestion due to vacation and travel. Additionally, many new teenage drivers are spending more time on the roads. If you haven’t taken out a policy yet, it might be a great time to talk to your agent at Morin Insurance about motorcycle insurance in NH. Further, ask your agent about lay-up policies. This way, you can suspend coverage during the cold winter months and save money!
Motorcycle Insurance NH
Medical and repair costs after an accident can be a lot. Thus, investing in motorcycle insurance in NH will help bikers handle anything on the road with peace of mind. Contact Morin Insurance to learn more at (603) 875-1200.
