What to do After a Hit-and-Run in New Hampshire Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: shank_ali/Getty Images January 06, 2022 Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. If you are involved in a hit-and-run in New Hampshire, it’s important to know what to do from an insurance standpoint if the other driver fails to stop and exchange information. are one reason why insurance is required in most states, since your own coverage may kick in if the other driver can’t be found. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More New Hampshire does not require auto insurance for drivers, although it is by the state DMV, and the Insurance Information Institute estimates of the state’s drivers do have policies. In addition, if you choose to forego insurance, you must to cover the costs you might incur in an at-fault collision. If you choose to purchase insurance, do apply. If you do not have auto insurance to protect you financially from a New Hampshire hit-and-run, you would have to pay for repairs and medical costs out-of-pocket. Hit-and-runs in New Hampshire
A hit-and-run accident is one in which the at-fault driver hits a pedestrian, stationary object or another vehicle and leaves the scene without stopping to render aid or exchange information. states that a driver must stop if they are involved in any accident that causes death, injury or property damage. Failure to do so is considered a misdemeanor, and in some cases, a felony. In addition, a police report is required if there is damage in excess of $1,000. Even if the damage does not exceed this limit, it’s typically a good idea to call the police. A police report can be a valuable document if and when you file an insurance claim for damages and can help to establish fault for the incident, even if the other driver flees the scene. New Hampshire hit-and-run laws
Causing an accident and fleeing the scene in New Hampshire. You are required by law to stop following a collision and give the other driver or property owner your name, address, license number and insurance information. If the other person is injured, you must give this information to a police officer. Either you or the officer must submit a report within 15 days to the DMV. If you fail to follow these instructions, you may be charged with a misdemeanor. Giving false information increases the potential charge to a class B felony. Involvement in a hit-and-run will also likely impact your insurance. If the driver is found, they are responsible for damages and medical costs, but if they cannot be found, you may need to file a claim on your own policy. You could see your rates increase after this, unless you have a form of rate protection that ensures your premium will not increase after a claim. How hit-and-runs impact car insurance rates in New Hampshire
If you are involved in a hit-and-run and flee the scene or do not follow proper protocol post-collision, you may be required to file a . Hit-and-runs are among the more serious high-risk driving behaviors that can cause insurers to charge higher premiums, so this incident on your motor vehicle record could have serious financial impacts. The , which includes collision and comprehensive coverage, is $1,275 per year in New Hampshire. If factoring in a standard collision, in which a driver does not flee the scene, insurance rates increase to an average of $1,596 per year. But if the driver does leave the scene of the incident, the average premium increases to an annual rate of $1,983. Compared to the state average, this is a substantial increase of about 56%. Average annual full coverage premiums: Before a hit-and-run After a hit-and-run After a standard accident New Hampshire average $1,275 $1,983 $1,596 National average $1,674 $3,367 $2,311 6 things to do after a hit-and-run in New Hampshire
You may be wondering what to do in New Hampshire after a hit-and-run. With safety as your top priority, here are a few considerations you may find helpful to review, in the event you are ever the victim of this type of incident. Be safe: If you can safely do so, get your car off the road or to a safe shoulder. If you’re on a heavily trafficked road, be very careful about exiting the vehicle. Check for injuries: Assess yourself, your passengers, and anyone else involved for injuries and seek medical help immediately if necessary. Call the police: Calling for medical help will typically also trigger a police response, but separate from any requests for medical assistance, it’s best to contact the authorities, particularly with a hit-and-run. A police report can help establish fault and make your insurance claim filing process go more smoothly. Gather documentation: If it is safe to do so, take pictures of the damage and the road you were on at the time of the incident. If you don’t have a camera or smartphone, write down as many details as you can, including the weather and the level of traffic. If you see possible witnesses, you could also ask them for their contact information and see if they’re willing to stay and talk to the police. Cooperate with the police: If there is any information that you can give officers to help them track down the perpetrator, it is helpful to cooperate. File your insurance claim: If possible and necessary, contact your insurer to open a claim. Call your agent, who can answer questions and review your policy with you. Or, if you prefer, many insurers now allow you to file a claim online via a website or mobile app. Will insurance cover a hit-and-run
Auto insurance policies may cover you in the event of a hit-and-run if the other driver cannot be found, depending what is included on your policy. The first step is determining if the other driver can be found. If found and determined to be at fault for the incident, the offending driver’s liability insurance should cover your damages and medical costs. If the other driver is not located, or if you would like financial compensation without having to wait for the other driver to be found, a few coverage types may be useful immediately. Per , if you purchase auto insurance you must also buy at least $1,000 in medical payment coverage. This coverage may allow you to file a claim for medical expense reimbursement whether the other driver is found or not. New Hampshire law also requires you to buy uninsured motorist coverage if you carry a policy. Your coverage for this will typically be equal to your liability limits and might be able to be used to file a claim for damages following a hit-and-run. If you have a full coverage policy, your collision coverage may also be used for your vehicle damages, although you may have to pay your deductible. Frequently asked questions
How much does car insurance cost
The average cost of a full coverage insurance policy in New Hampshire is $1,275 per year, which is below the national average of $1,674 per year. Your specific rate will depend largely on factors unique to you, including your age, motor vehicle record and insurance-based credit score. If you have a hit-and-run on your record, rates can be up to 56% higher or more than the state average, depending on the insurer and your other personal factors. Who has the best car insurance in New Hampshire
The is likely to be different for each driver and will depend on a number of factors. One way to find the best company for you is to gather quotes from at least three auto insurers to find the right balance of affordability, coverage or discount options, and customer service. How does a hit-and-run impact New Hampshire insurance
Filing a claim can sometimes increase the cost of your insurance, even if you aren’t at fault, but if you are the perpetrator of a hit-and-run, rates can increase substantially. Analysis of 2021 quoted annual premiums from Quadrant Information Services indicates rates increased an average of 56% with a hit-and-run conviction factored in. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, hit-and-run, single DUI conviction or lapse in coverage. SHARE: Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Related Articles