Auto Insurance

The coverage you need for NH roads, and beyond.

NH Car Insurance Policies : The nuts and bolts

Part 1: Property Coverage

Collision: If your vehicle is hit, or you hit another vehicle or object, the resulting damage is covered under this section of your policy.

Comprehensive: Sometimes referred to as “other than collision” coverage, this limit in your policy covers damage to your vehicle from events that are out of your control. Things like theft, vandalism and weather/acts of nature, are a couple of examples of a comprehensive claim.

Part 2: Liability Coverage

Liability pays for your legal responsibility to others. Coverage on most auto policies are separated into the following types of liability claims.

Bodily Injury Liability (BI): This covers injuries that you, the designated driver or policyholder cause to someone else.

Property Damage Liability (PD): Covers you if the car damages someone else’s property. It also provides you with legal defense if another party files a lawsuit against you.

Medical Payments: This no-fault coverage provides medical expenses to you and your passengers injured in an accident.

Uninsured and Underinsured Motorist Coverage (UM or UIM): This coverage will reimburse you if you’re hit by an at- fault driver has insufficient insurance to pay for your total loss, or hit-and-run damages.

Wherever You’re Going, We’ll Get You There Safely

As experienced agents, we make every effort to have a comprehensive understanding of your unique auto needs so we can provide thorough protection while making sure you don’t leave a cent on the table. We’re Here to Help. Contact us to learn more about all of our automobile insurance and personal risk management solutions.