Is Personal Injury Protection Required In New Hampshire?

In the state of New Hampshire, drivers are required to have car insurance, but the minimum requirements do not include Personal Injury Protection (PIP) coverage. PIP is an optional coverage that can provide additional protection for medical expenses and lost wages in the event of a car accident.

Although PIP is not required in New Hampshire, it may still be a wise choice for drivers to add to their policy. In this article, we will explore the benefits and drawbacks of PIP coverage and help you make an informed decision about whether or not to add it to your car insurance policy.

No, Personal Injury Protection (PIP) is not required in New Hampshire. However, drivers can opt for PIP coverage as part of their car insurance policy. PIP helps cover medical expenses and lost wages in case of an accident, regardless of who is at fault. It is important to understand the benefits and costs of PIP coverage before making a decision.

Is Personal Injury Protection Required in New Hampshire?

If you’re a driver in New Hampshire, you may be wondering whether you’re required to carry Personal Injury Protection (PIP) insurance. PIP insurance provides coverage for medical expenses and lost wages in the event of a car accident, regardless of who was at fault. In this article, we’ll explore the requirements for PIP insurance in New Hampshire and why it may be a good idea to have this coverage.

What is Personal Injury Protection?

Personal Injury Protection (PIP) is a type of car insurance that covers medical expenses and lost wages for you and your passengers in the event of a car accident. PIP insurance also covers other expenses related to the accident, such as child care and household services. PIP insurance is sometimes called “no-fault” insurance because it provides coverage regardless of who caused the accident.

Benefits of Personal Injury Protection

There are several benefits to having Personal Injury Protection insurance. First and foremost, PIP insurance provides coverage for medical expenses and lost wages in the event of an accident, regardless of who was at fault. This means that you won’t have to worry about paying for medical bills or lost wages out of pocket if you’re injured in an accident.

Additionally, PIP insurance can provide coverage for other expenses related to the accident, such as child care and household services. This can be especially helpful if you’re unable to perform these tasks yourself due to your injuries.

Requirements for Personal Injury Protection in New Hampshire

Unlike most other states, New Hampshire does not require drivers to carry Personal Injury Protection insurance. However, drivers in New Hampshire are still required to carry liability insurance, which provides coverage for damages and injuries that you may cause to others in an accident.

While PIP insurance is not required in New Hampshire, it may still be a good idea to have this coverage. In the event of an accident, PIP insurance can provide coverage for medical expenses and lost wages, regardless of who was at fault. This can give you peace of mind and help you avoid financial hardship in the aftermath of an accident.

Personal Injury Protection vs. Medical Payments Coverage

While Personal Injury Protection and Medical Payments Coverage (MPC) are similar, there are some key differences between the two. MPC is a type of car insurance that provides coverage for medical expenses for you and your passengers in the event of an accident. However, MPC does not cover lost wages or other expenses related to the accident.

One advantage of MPC over PIP insurance is that it is generally less expensive. However, the coverage provided by MPC is more limited than that provided by PIP insurance. Ultimately, the decision of whether to choose PIP insurance or MPC will depend on your individual needs and budget.

Conclusion

While Personal Injury Protection insurance is not required in New Hampshire, it can still be a good idea to have this coverage. PIP insurance provides coverage for medical expenses and lost wages in the event of an accident, regardless of who was at fault. This can give you peace of mind and help you avoid financial hardship in the aftermath of an accident. If you’re considering purchasing PIP insurance, be sure to compare rates and coverage options from multiple providers to find the policy that best meets your needs and budget.

Frequently Asked Questions

What is Personal Injury Protection (PIP) in New Hampshire?

Personal Injury Protection (PIP) is a type of car insurance coverage that pays for medical expenses and lost wages if you are injured in a car accident. PIP coverage is often referred to as “no-fault” insurance because it pays out regardless of who was at fault for the accident.

In New Hampshire, PIP coverage is not required by law, but it is an option that is available to drivers who want to protect themselves and their passengers in the event of an accident.

What are the benefits of having Personal Injury Protection (PIP) in New Hampshire?

There are several benefits of having Personal Injury Protection (PIP) coverage in New Hampshire. First and foremost, PIP coverage ensures that you and your passengers will have access to medical care and lost wages if you are injured in a car accident. This can be especially important if you do not have health insurance or disability coverage.

In addition, PIP coverage can help you avoid out-of-pocket expenses and reduce the amount of stress and financial burden that can come with a car accident. Finally, PIP coverage can also provide you with additional peace of mind and protection on the road.

What is the minimum car insurance requirement in New Hampshire?

In New Hampshire, drivers are only required to carry liability insurance, which covers damages and injuries that you may cause to others in an accident. The minimum liability insurance requirements in New Hampshire are $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.

While Personal Injury Protection (PIP) coverage is not required by law in New Hampshire, it is an option that drivers can choose to add to their insurance policies.

Can I purchase Personal Injury Protection (PIP) coverage in New Hampshire?

Yes, you can purchase Personal Injury Protection (PIP) coverage in New Hampshire. PIP coverage is not required by law, but it is an option that is available to drivers who want to protect themselves and their passengers in the event of an accident.

If you are interested in purchasing PIP coverage, you should speak with your insurance agent to learn more about the benefits and costs of this type of coverage.

Do I need Personal Injury Protection (PIP) coverage if I have health insurance?

While having health insurance can certainly help cover medical expenses in the event of a car accident, Personal Injury Protection (PIP) coverage can provide additional benefits and protections that health insurance may not cover.

For example, PIP coverage can provide coverage for lost wages and other expenses related to your recovery, whereas health insurance may only cover medical expenses. Additionally, PIP coverage is often referred to as “no-fault” insurance because it pays out regardless of who was at fault for the accident, whereas health insurance may only cover you if the accident was someone else’s fault.

What is Personal Injury Protection (PIP)?

In conclusion, New Hampshire law does not require drivers to carry Personal Injury Protection (PIP) insurance. However, it is still important to consider purchasing this coverage to protect yourself and your passengers in the event of an accident. Without PIP insurance, you may be left with costly medical bills and expenses that can quickly pile up.

While PIP insurance is not mandatory in New Hampshire, it is important to understand the potential risks and benefits of having this coverage. By doing so, you can make an informed decision about whether or not to purchase PIP insurance and ensure that you and your loved ones are protected in the event of an accident.

Ultimately, the decision to purchase PIP insurance is a personal one that should be based on your individual needs and circumstances. Whether you choose to purchase this coverage or not, it is always a good idea to stay informed about your insurance options and to take steps to protect yourself and your passengers on the road.