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nobletrout0 t1_ize8142 wrote

Reply to comment by [deleted] in Plow truck hit me and plowed me off the road in Manchester NH and it’s the plows fault and the police report says so, but some lady in an office sent me a letter and said it’s 51% my fault and they’ll pay nothing, my 2016 Ford Fusion is destroyed and I’m in debt. I What can I do? by Vegetable_Medium_458

Not in new hampshire

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skudak t1_izei0rc wrote

If the car is financed, then it's in the contract that it must be insured regardless of state law. No bank will finance a car and let you drive it uninsured.

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[deleted] t1_ize9bey wrote

If your not insured you must be able to provide proof that you are able to supply funds in case of an at fault accident.just get insurance.you are correct,but why wouldn't you have insurance? Seems foolish unless your super rich.

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nobletrout0 t1_izeab3i wrote

No you don’t. Not in New Hampshire. Texas yes. You can register a lawn mower in New Hampshire

I’m not saying this is a smart move. But New Hampshire has no insurance requirement. If you have a loan your bank probably does. But not everyone has a loan on their car.

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Fickle_Dragonfly4381 t1_izef9r3 wrote

You are wrong, New Hampshire does require everyone to have financial ability to pay, and insurance is the most common way to do that

From nh.com nh.gov, “New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an “at fault“ accident. If you are unable to meet these requirements, your driving privileges in New Hampshire may be suspended“

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nobletrout0 t1_izeh297 wrote

Who do you demonstrate that to? I’ve registered a car without demonstrating crap and without first having insurance). Of course you are super fucked if you don’t have the money to cover yourself in the case of an incident.

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Fickle_Dragonfly4381 t1_izehcoq wrote

They don’t require it when you register your car, it’s just something you have to do

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nobletrout0 t1_izehuzr wrote

You are quoting nh.com whatever that is. No one requires proof of jack up o register your car in NH and no one comes knocking on your door to demonstrate it. There is no requirement of insurance(self or otherwise). That’s it.

There are two other states like this but with additional rules. Texas for example requires you to have a $50k bond. Can’t remember the other one but it’s got rules as well.

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