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WARNING: Automobile drivers, passengers and pedestrians


New Hampshire is a state that still allows individuals to operate a motor vehicle without liability insurance coverage. Even if a careless driver has insurance coverage, they frequently have too little to cover the injury. Clients can protect themselves, however, by making certain that their own vehicles have adequate uninsured and underinsured motorist coverage. An umbrella policy, on top of that, is also always a great idea. Your own automobile policy covers you whether you are in your car, a passenger in another car, on a bicycle or even if you are injured as a pedestrian.

When our clients have adequate uninsured and underinsured coverage limits on their own policy and sustain significant injuries, we frequently are able to settle with the actual wrongdoer for the amount of their policy limits (usually $25,000) and then pursue an underinsured motorist claim under our client’s own automobile policies. An underinsured motorist policy covers any occupants of the vehicle in which the policy is written as well as family members of the policy owner in other vehicles and even while on the street as a pedestrian.

We recommend a minimum of $250,000/500,000 uninsured motorist coverage (which has to match liability coverage, and at least a $1,000,000 umbrella policy that also provides uninsured motorist coverage.

By working with your insurance agent, you can usually adjust your other coverage and deductibles so that you could obtain this much more secure insurance coverage at little or no additional cost. A good insurance agent could be very helpful here. Make certain that you tell him that you want at least $250,000/500,000 UM and liability coverage and at least a $1,000,000 umbrella policy with UM coverage.

We hope that you never need your uninsured motorist coverage. If you or your family member is involved in a serious injury, however, adequate insurance coverage can make the difference for the rest of your life.