Your Guide to New Hampshire Motorcycle Insurance

August 28, 2018

KNOW BEFORE YOU RIDE!

Motorcyclists in the Granite State are not required to purchase New Hampshire motorcycle insurance to operate a bike within the state. However, those rules change quickly if an incident occurs. Instead of putting yourself at risk, we advise that all operators have New Hampshire motorcycle insurance.

Types of NH Motorcycle Insurance

There are two primary types of insurance that riders can choose from to insure their motorcycle – collision and comprehensive.

  • Collision insurance: This type of coverage will help pay for repairs to your motorcycle in case of an accident.
  • Comprehensive: Like the name suggests, comprehensive insurance is much more thorough. It will cover repairs or replacement if your bike is stolen or damaged in a manner besides an accident.

Some policies even have extra perks, such as roadside assistance or parts and equipment repair. Consult your insurance company regarding those features.

How to Get New Hampshire Motorcycle Insurance

Insurance policy costs will vary based on a number of factors – type of insurance, location of bike, operator age, type of bike, and more. Contact multiple insurance companies for quotes to weigh your options.

Some highly rated companies who offer New Hampshire motorcycle insurance are Geico, Progressive, Nationwide, Esurance, and Allstate.

Why You Need New Hampshire Motorcycle Insurance

As a motorcycle owner in New Hampshire, you may be required to file what is known as an SR-22 liability policy in the event of an accident, a DUI conviction, multiple reckless driving convictions, or a review triggered by traffic violations. If you have to file an SR-22, there are minimum coverage requirements you must meet.

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $25,000 in property damage
  • $1,000 in medical payments
  • $25,000 in uninsured/under-insured motorist coverage per person
  • $50,000 in uninsured/under-insured motorist coverage per accident

An accident of any kind threatens not only your person or other people involved, it could also damage your financial health as well. Operating without New Hampshire motorcycle insurance is a major gamble that can easily be avoided.

If involved in an accident, consult a personal injury attorney immediately. If insurance doesn’t cover all damages incurred, you need a knowledgeable and experienced lawyer by your side to help you get the money you deserve – both from your insurance provider and the other parties involved in the crash.

At Sherman Law, we have been representing motorcycle accident victims and their families for over 24 years. If you or a family member has been in a motorcycle accident and have questions about how to proceed or need to file a motorcycle accident claim, contact us for a free consultation.