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How To Find Out If Someone Has Auto Insurance Coverage

Driver standing beside crashed car, rubbing neck; auto accident injury claim.

The unexpected event of a car accident can be physically and emotionally traumatic, in addition to leading to thousands of dollars in damages. Minor accidents may result in relatively minimal bodily harm and property damage. However, the costs of medical care for injuries and property damage can be significant when severe. Determining coverage and filing a claim with the other motorist’s insurance agency is a fairly straightforward process for many. However, state auto insurance laws do not require everyone to maintain policies. Therefore, there may be a different process to collect damages, or you may need to verify whether there is an existing policy and the coverage amounts for the at-fault driver. Call an experienced car accident lawyer at Friedman & Bresaw, PLLC, by calling (603) 707-4800 for more information about how to find out if someone has auto insurance coverage.

Seeking Compensation From Auto Insurance

Even when an at-fault driver has an appropriately robust insurance policy, seeing compensation for damages can prove a frustrating and time-consuming process. While insurance policies are legally binding contracts, it is not unusual for issues to arise, for both at-fault drivers and the victims of an accident, while dealing with insurance company adjusters. 

That means that even when a driver has an auto insurance policy, disputes or problems involving the settlement amount or who caused the accident could happen. Whether there are questions about an insurance company’s requirements for documentation after an accident, or difficulties in collecting proof of assets to show a clear record of financial damages following an accident with an uninsured New Hampshire driver, many may wish to reach out for help. A knowledgeable New Hampshire attorney with Friedman & Bresaw, PLLC may be able to answer questions regarding how to find out if someone has auto insurance coverage, as well as providing sound legal advice and helping motorists navigate the post-accident claims process to collect compensation to cover the total cost of their damages and losses.

New Hampshire Car Insurance

New Hampshire auto insurance laws differ from the rest of the country as they do not require motorists to carry auto coverage. However, it is in everyone’s best interest to purchase policies. The laws still require the liable party to pay for damages, including bodily injuries and property damage, resulting from accidents, and they can be costly. According to the New Hampshire Revised Statutes § 264, drivers at fault for collisions must provide evidence they have adequate assets to cover all the damages resulting from the crash. The language of the New Hampshire statutes frames this requirement as “proof of financial responsibility.” While most drivers will likely follow the commonplace route of taking out an auto insurance policy, New Hampshire Rev. Stat. § 264:22 (2022) does allow for a driver to deposit funds as proof of their financial responsibility. 

When Does New Hampshire Require Auto Insurance?

The regulation does not mandate everyone to carry minimum coverage to drive within the state. However, drivers may be required to carry liability insurance for a period of up to three years under certain circumstances. Those individuals must carry policies with at least the following: 

  • $25,000 to cover medical expenses for bodily harm per person and accident 
  • $50,000 of coverage for bodily injuries per car crash
  • $25,000 to cover property damage per accident 
  • Medical payments coverage, or MedPay, of at least $1,000
  • Uninsured Motorist Coverage

Convictions for traffic-related offenses, such as drinking and driving, multiple reckless driving citations, leaving the scene after an accident, or vehicular homicide, may result in the requirement to purchase insurance. 

Auto Accident Liability in New Hampshire

While New Hampshire’s auto insurance coverage laws are unusual in leaving coverage optional under most circumstances, the state’s laws governing motor vehicle accidents do follow a traditional fault-based liability system. An at-fault motorist’s financial responsibility for damages is similar to what one would expect in a state that requires motorists to carry auto insurance coverage. The amounts New Hampshire drivers are required to show as proof of financial responsibility therefore correspond closely to the range of damages that might be expected in an auto accident suit under New Hampshire personal injury laws. 

What Are New Hampshire's Uninsured Motorist Laws?

State laws do not require all drivers to purchase liability car insurance to pay for damages resulting from their actions, or their failure to act, while operating a motor vehicle. However, when residents do elect to purchase liability insurance, the legislation requires they also carry Uninsured Motorist (UM) Coverage. A New Hampshire auto insurance policyholder’s UM coverage must be equal to the amount of liability coverage held by the same driver. 

When drivers elect not to carry liability insurance, most will be unlikely to have the money to cover injuries and property damage immediately. UM policies help to protect those who carry them from financial losses if they are in accidents with uninsured drivers, or when the at-fault driver’s policy does not provide enough to cover the total cost of damages. 

New Hampshire Car Accident Laws

In most states that follow an at-fault insurance rule, the general practice is for the injured party to file a claim with the liable party’s insurance provider. However, there is a slight difference in practice between New Hampshire and other states following an at-fault rule. Parties seeking to file a claim in New Hampshire must first verify whether the at-fault motorist has an auto insurance policy to cover their losses vs. planning to pay out-of-pocket. 

Those involved in crashes resulting in more than $1,000 in property damage, personal injuries, or death must report the crash details and personal information, such as their insurance provider and policy number, within 15 days to the New Hampshire Division of Motor Vehicles (DMV). Drivers may submit their information electronically, or elect to print and manually complete a form and mail it to the agency.When unable to obtain the auto insurance information at the accident scene or by contacting the driver afterward, accident victims can also request copies of accident reports with all the essential information at the DMV website. 

What Car Insurance Information Do You Need To Know?

Submitting a request for auto insurance coverage verification after a car crash will require specific information about the other driver. Accident victims will need to ask the driver who caused their crash for the relevant information after the accident, or request a copy of the police accident investigation report. The information necessary to request a verification includes the following: 

  • Car accident location and date that it occurred 
  • Driver’s identifying information, such as name and address 
  • Basic insurance information or that they have no coverage 
  • Vehicle information, such as type and license plate number
  • The person requesting information must provide a current email address 

Speak With a Seasoned Car Crash Attorney for More Information

The New Hampshire Division of Motor Vehicles provides an online form to submit for driver auto insurance information after crashes. Individuals who need access to the information thus provided in order to pursue their claims may need to request the information from the DMV if they are unable to correspond with the at-fault driver directly. Because New Hampshire laws do not require all drivers to carry a minimum amount of coverage, protecting your interests and collecting a fair settlement amount when another driver is at fault may require accident victims to first verify whether they will need to pursue an insurance claim vs. collecting compensation directly from the at-fault driver. A qualified car crash lawyer with Friedman & Bresaw, PLLC, may be able to answer your questions about how to find out if someone has auto insurance coverage. Call our office at (603) 707-4800 to schedule a consultation and review your options.

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About the Attorney
Jesse Friedman

Jesse has personally represented thousands of clients throughout the State - from juvenile delinquency offenses through homicides. He has extensive trial and litigation experience and has obtained favorable outcomes for thousands of clients throughout the years.

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