Your Guide to Understanding Auto Insurance in the Granite State

exposure in your car policy. Location – The price you pay will be affected by where you drive your car and garage. ….

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Your Guide to Understanding Auto Insurance in the Granite State
What You Need to Know!
State of New Hampshire Insurance Department

  1. Choosing the coverage you need: Why buy Auto Insurance?, What coverage should I buy?, How much coverage should I buy?
  2. Factors affecting the premium paid by you: Underwriting, rating, and premiums., Some factors companies use to set rates., Discounts.
  3. Shopping for the best value: Getting rate quotes., Buying insurance, Give accurate information.
  4. Filing an auto insurance claim: What information must I provide when I file a claim?, Filing a claim with your insurance company., Filing a claim with the other driver’s insurance company.
  5. Frequently asked questions
  6. What if you have a problem?: First, contact your agent/producer or insurance company, then, If you feel that your problem is not resolved in a fair manner or as prescribed by your policy, Contact the New Hampshire Insurance Department.


  1. When can I expect to hear from the insurance company after I file a claim?
  2. How many repair estimates must I submit?
  3. What if I can’t drive my car and it needs to be left at a storage facility, will the insurance company pay those fees?
  4. Can an insurance company deduct for betterment (the amount that exceeds the value of the old or used parts)?
  5. Can the insurance company deduct for things like unrepaired damage or rust?
  6. Can the insurance company use After-Market Replacement or non-original equipment manufacturer (non-OEM) parts?
  7. How will the insurance company determine the value of my auto?
  8. Do I have to pay a deductible when I file a claim?
  9. Will the insurance company pay the costs of renting a car if my auto is stolen or in an accident?
  10. Does my insurance company have to pay if special equipment on my auto is damaged?
  11. I had personal property in my auto when my auto was damaged/stolen. Will it be covered?
  12. My insurance company and I can’t seem to agree on the amount of my loss. What can I do?
  13. Who decides who is at fault and how much is owed?
  14. What if the other driver’s insurance company denies my claim or I disagree with their settlement offer?
  15. When can an insurance company consider my auto a total loss?
  16. If an accident occurs and the other driver is at-fault, am I entitled to compensation for the loss of use of my auto while it is being repaired?
  17. If my friend asks to use my auto for his own errands, will my Auto Insurance cover him while he is driving?
  18. Can a family member’s poor driving record affect my premiums or insurability if my own driving record is clear?
  19. Do I have the right to select the repair facility I want to complete the repairs to my auto after it has been involved in an accident?
  20. I am dissatisfied with the repair work done to my auto by a repair facility. What obligation does the insurance company have tocorrect this?
  21. I was hit by an uninsured motorist. Do I have protection under my policy?
  22. Do I have to be a resident of New Hampshire to buy Auto Insurancein New Hampshire?
Download Your Guide to Understanding Auto Insurance in the Granite State pdf from, 21 pages, 277.85KB.