New Hampshire car accident loans

After being in a car accident in New Hampshire, here are seven important considerations and laws to be aware of:

1. Stop and Report the Accident: If you are involved in a car accident in New Hampshire, you must stop at the scene of the accident. If the accident resulted in injury, death, or property damage exceeding $1,000, you must report it to local law enforcement.

2. Exchange Information: After a car accident, exchange contact and insurance information with the other driver(s) involved. Obtain names, addresses, phone numbers, driver’s license numbers, license plate numbers, and insurance details.

3. No-Fault Insurance: New Hampshire is not a no-fault state. Instead, it follows a fault-based system for auto insurance. This means that the at-fault driver’s insurance typically covers the damages of the other party.

4. Modified Comparative Fault: New Hampshire follows a modified comparative fault system. If you are partially at fault for the accident, your compensation may be reduced proportionately to your percentage of fault. However, you can only recover damages if your fault is determined to be less than 51%. If your fault is equal to or greater than 51%, you may not be eligible to recover any compensation.

5. Statute of Limitations: In New Hampshire, there is a statute of limitations for filing a personal injury lawsuit after a car accident. Generally, you have three years from the date of the accident to initiate a lawsuit seeking damages for injuries or property damage resulting from the collision.

6. Seat Belt Laws: New Hampshire has primary enforcement seat belt laws for drivers and passengers. Law enforcement officers can stop and ticket drivers and passengers solely for not wearing seat belts.

7. Uninsured/Underinsured Motorist Coverage: While New Hampshire does not require drivers to carry liability insurance, it is recommended to have uninsured and underinsured motorist coverage. This coverage can protect you if you are involved in an accident with a driver who does not have insurance or whose insurance coverage is insufficient to fully compensate you for your damages.

Remember to prioritize safety and follow the law after a car accident in New Hampshire. If you are unsure about the appropriate steps to take or have concerns about the legal aspects of the accident, consider consulting with a qualified legal professional for guidance specific to your situation.