“Liberty, Biberty,” or however you want to call it—don’t be fooled. Liberty Mutual Insurance’s catchy campaign encourages people to buy only the minimum insurance coverage. It might sound appealing financially, but it overlooks a critical reality: you should carry the maximum New Hampshire liability insurance coverage you can afford to fully protect your assets—including your home, savings, and investments.
Why More Liability Insurance Coverage Matters in New Hampshire
Here’s the truth. In New Hampshire, there is no legal requirement to carry auto insurance to operate a motor vehicle. However, if you choose to purchase insurance—as most wisely do—the minimum policy available is $25,000/$50,000. This means your insurance would cover up to $25,000 per person, and no more than $50,000 total per accident.
Now imagine someone is catastrophically injured. That bare-minimum policy provides very little protection for both the injured person and the policyholder. If the damages exceed the policy limits, the negligent driver could be personally liable—and at risk of losing their assets.
Instead of risking your financial future, consider increasing your liability coverage to $100,000/$300,000 or, even better, $250,000/$500,000. This base coverage not only gives you stronger protection—it also qualifies you for an umbrella insurance policy, which typically adds $1,000,000 or more in additional coverage.
Umbrella Insurance: Additional Protection Worth the Investment
Umbrella policies are surprisingly affordable and can drastically increase your protection. For example, if you carry $250,000 in base coverage and purchase a $1,000,000 umbrella policy, your total protection reaches $1,250,000. If your assets exceed that amount, additional umbrella coverage is available.
Having substantial coverage is more important now than ever. Many drivers carry minimal coverage—or none at all. In those cases, your own policy’s uninsured or underinsured motorist coverage becomes essential. We’ve helped countless clients pursue compensation through these provisions after being injured by someone with inadequate insurance.
Why Being Underinsured Is a Risk You Can’t Afford
We’ve seen it happen too often—clients suffering serious injuries in car accidents caused by drivers with minimal or no insurance. When this happens, we’ve had to:
- Pursue compensation from the negligent person’s personal assets, or
- File claims under our clients’ uninsured/underinsured motorist policies.
These claims are complex and require knowledge of New Hampshire insurance laws. At Gottesman & Hollis, P.A., we understand how to navigate these challenges and maximize your compensation.
Contact a New Hampshire Liability Insurance Attorney in Nashua
If you or a loved one has been injured in an accident caused by an uninsured or underinsured driver, don’t delay. Contact our experienced legal team at Gottesman & Hollis, P.A. in Nashua, NH to protect your rights and assets.
Call us today at (603) 506-4600
Or contact us online: Contact Us
We’re here to help you secure the compensation and protection you deserve.