Although harsh northern winters are less than inviting for motorcycle riding, as soon as spring arrives, you can hear the rumble of engines coming down scenic state highways. With the growing popularity of motorcycles for both pleasure and reduced gas consumption, the need for increased safety grows. Drivers should be aware of motorcycles, and riders should always wear the appropriate safety gear, like helmets, even if the law doesn’t require them. One of the best ways to protect yourself and your bike is to purchase New Hampshire motorcycle insurance.
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State Motorcycle Facts
- NH is one of three states that don’t require helmets while riding.
- Riders under the age of 18 are required to wear helmets.
- The legal noise level for motorcycles is 92 decibels.
New Hampshire Motorcycle Insurance Requirements
This is the only state where you can legally ride your motorcycle without having insurance or proving any financial responsibility. That doesn’t mean that it’s a good idea. If you get into an accident, receive a DUI, have multiple reckless driving tickets or receive a driving review, the state DMV could request that you file an SR-22 insurance form. This makes you a high risk, and high-risk insurers will charge you a much higher premium.
Insurance protects you after unexpected circumstances, like an accident or theft of your bike. Whether you own a dirt bike, a sport bike or a chopper, your bike is an investment. Repairing or replacing your bike can be expensive, and accidents can result in costly injuries. While the idea of not paying a monthly insurance premium for your bike can seem attractive, paying thousands of dollars in medical costs and bike repairs is even less appealing. You should at least purchase an adequate amount of liability insurance. You would be wise to purchase collision and comprehensive coverage to protect the investment in your ride.
New Hampshire Motorcycle Insurance Liability
Whether you’re required to purchase insurance or you’re doing it voluntarily, you must maintain the minimum legal limits of liability insurance:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
While those amounts may seem like enough, a serious accident can quickly surpass those limits. If you’re to blame for the accident and another rider is seriously injured, you could easily find yourself in court if the injured party isn’t satisfied with the claim. Without liability insurance, you’re responsible for paying all costs, including your own medical expenses and repairs.
With liability insurance, you have a layer of protection that can provide compensation to anyone you injure. If someone sues you, your liability insurance covers your defense costs. It’s very important to set the right coverage limits. Multi-million dollar settlements aren’t unheard of, and if you’re wealthy or have many personal assets, you can benefit from having an umbrella liability policy.
Additional New Hampshire Motorcycle Insurance Options
While liability is an important aspect of your motorcycle coverage, it won’t pay for damages or injuries you sustain in an accident. Full coverage is the only way to protect yourself and others completely. Coverage options include the following:
- Accessories coverage: Covers any upgrades or enhancements to your bike
- Collision coverage: Covers repair or replacement if you're in an accident
- Comprehensive or "other than collision" coverage: Covers repair or replacement caused by non-accident events such as theft or severe weather
- Medical payments: Covers medical payments or funeral costs resulting from an accident
- Uninsured/underinsured motorist coverage: Covers your out-of-pocket expenses if you are in an accident with an uninsured/underinsured driver
Get Your Insurance Quotes Today
Let a Trusted Choice® member agent help you develop a policy that meets all your needs. While some riders may need high liability limits and accessories coverage, others can safely ride with lower liability limits and comprehensive coverage. Your member agent can help you analyze your needs and compare New Hampshire motorcycle insurance quotes to find a personalized coverage plan that you can afford.
To get the information you need, contact an independent agent in the Trusted Choice network right away. You'll be glad you did.