Quote:
Originally Posted by TiltonBB
If the other vehicle does not have insurance you should be able to collect using your uninsured motorist coverage. Your insurance company may then go after the other motorist to be reimbursed for the loss. You are also entitled to a replacement vehicle while your vehicle is out of service. You can also file a claim for "diminished value" although in this case it may not amount to much. Sorry! But, if you had a more valuable vehicle with a clean accident history, this blemish on the record will make your vehicle worth less and you are entitled to an additional amount for that.
In New Hampshire some are required to have insurance because of past conduct. If you do not have insurance you must have the financial ability to pay the claim if you have an accident.
In order to learn if you can be relieved of filing proof of insurance, you can contact the Bureau of Financial Responsibility and request that your record be reviewed.
If, as the result of the review process, it is determined that any of the following are on your record you will be required to have insurance:
DWI - (1st, 2nd, Subsequent, and Aggravated).
Underage DWI - (1st, 2nd, Subsequent, Aggravated).
Leaving Scene of Accident.
Conduct After Accident.
Subsequent (2nd) offense Reckless Operation.
Relief of Filing Proof of Insurance/SR-22
If eligible, you will receive a formal Notice of Relief of Filing from the Division of Motor Vehicles.
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Uninsured/ underinsured motorist coverage is a liability coverage, the limits of which mirror your Bodily Insurance limits of liability(in NH by state law). Damage to your vehicle is not covered by this coverage. Physical damage is covered by collision with another vehicle or an object like a tree, rock, bridge, etc.. Damage to a vehicle not by collision is covered by comprehensive coverage, also known as Other Than Collision (OTC).
No collision on FLL's vehicle, no coverage.
Dave