Auto insurance is essentially a contract between you, the insured, and your insurance provider that safeguards you against monetary loss in case of a vehicle accident or theft. In return for your paying a regular premium, the insurer agrees to cover your agreed financial losses as set out in your policy. However, you need not always be in front of your insurance provider when you apply for an auto insurance policy. There are many companies that operate on the Internet with a variety of insurance plans for the insured. Some insurers may ask you to call them directly to apply for an insurance policy, whereas others will send you a quotation via e-mail or fax.
There are times when you do not drive the car, but you have an interest in driving it. In such cases, you can obtain an auto insurance policy from someone else who will pay the premiums on your behalf. This is usually referred to as hiring a driver and is very popular in Europe and other countries where there are high rates of car accidents.
You can also obtain insurance for your vehicle in New Hampshire no matter what your age. New Hampshire requires motor vehicle insurance to be carried by anyone driving or operating a vehicle on the state’s roads. The minimum age to obtain a New Hampshire driver’s license is 16 years old. However, you do not need to own a new vehicle to be covered under the provisions of your insurance policy. Insurance requirements vary from agency to agency, so it is always a good idea to get a quote for auto insurance in New Hampshire before you visit any particular company.
Some insurance providers provide coverage for both bodily and property damage. Bodily damage is defined as any physical damage to property caused by the negligence or reckless action of the insured party. Property damage is any injury or death sustained due to the insured’s fault. With a bodily injury policy, liability for all legal fees, judgments, and overtime costs will be included in the coverage.
With some insurance companies, there are also different types of coverage options available. Bodily injury and property damage are the most common bodily injury and property damage covered issues. If an insured happens to be at fault in an accident, they may also be held liable for other people’s medical expenses and lost wages as a result of the accident. Sometimes companies also offer medical payments coverage. If the other party is covered by a family member or other close connection, that relation’s medical expenses may also be covered.
If you’re a New Hampshire driver, you should also be aware that uninsured motorist coverage is also available to you. Uninsured motorist coverage protects you in the event you are in an accident with an uninsured driver. However, uninsured motorist coverage does not cover your own fault in an accident. In other words, you’ll have to pay for the damages out of your own pocket, unless the other driver has uninsured motorist coverage or no-fault insurance coverage. The state of New Hampshire requires that you have at least PIP coverage, but many people don’t.