The Roads are Getting Icy. Is your Car Insured?

January 12, 2022

When the roads in New England start to get icy, it is more likely for you to get into an accident. Many just take extra caution when driving on the roads to prevent accidents. However, you are still throwing your money out the window if you do not have auto insurance in New Hampshire. Why? That is what our team at Morin Insurance is here to help with. For over 40 years, we have been helping all of New England understand their insurance and ensure that it is the right one for them.

What is Auto Insurance?

There are six different components that all fit into your auto insurance policy. Most states require you to at least have some of those options, if not all of them. However, in New Hampshire, you are legally allowed to drive without insurance as long as you own the car. Three of the most popular types of insurance are:

Property Coverage: Pays for damage or the theft of your car.

Medical Coverage: Pays for the cost of treating injury, rehabilitation, or funeral costs of people in your vehicle or other vehicles in an accident you caused.

Liability Coverage: Pays for legal responsibility of other cars or people harmed

Why should you have insurance?

Accidents happen no matter how careful you tend to be on the roads. While you are doing everything that you can to avoid something happening, you should not expect the same thing from the people around you. One of the best things you can do for yourself and your car is making sure that you are insured. If a driver begins to slip on the ice and hit you, of course, the accident is not your fault; it would be the fault of the other driver. However, if neither of you has car insurance, you can see hundreds of thousands of dollars out of your pocket to cover your car’s damages. This would be the same if you were seen at fault. However, you will have to cover not only your car but also the other driver’s car. Leading to even more out-of-pocket costs, all for not having insurance in the first place.

The importance of auto insurance, covered.

At Morin Insurance, we want to make sure that you are covered. Not having auto insurance in New Hampshire can end up being costly, no matter how carefully you drive. If you don’t have insurance for your car, you can fill out our Auto Quote Form to get a quick and affordable quote!