Motorcycle Insurance Options in New Hampshire

Whenever New Hampshire shakes off its winter doldrums, riders across the Granite State pull out their motorcycles to hit the highways and byways of the countryside. What this means for fellow travelers on the road is that they need to keep an alert eye out for these types of vehicles. Still, motorcycle riders also need to make sure their bikes are roadworthy, and a big part of that process is making sure you have adequate motorcycle insurance. 

Motorcycle Insurance Requirements in New Hampshire

As with any motorized vehicle in the Granite State, you must show financial responsibility by displaying proof of insurance. Such a policy will protect you and others in the event of an accident that is deemed your fault. It is important to remember, however, while this is the minimal amount of motorcycle insurance you must have in New Hampshire, it will not pay to repair or replace your own bike. Agents at Associated American Insurance in Manchester, NH can recommend a myriad of insurance options to provide you and your motorcycle more coverage than the bare minimum. 

Collision and comprehensive coverage are options for riders who want some time sense of peace of mind when they are out on the road. The former type of policy covers you and your bike should be found at fault in an accident, and the latter offers coverage from theft, vandalism, and other types of damage to your bike.

Contact Our Team at Associated American Insurance

If you have questions regarding your motorcycle insurance requirements, our team here at Associated American Insurance is serving the greater Manchester, NH area, and we are ready to answer any questions you might have regarding what it takes to get the road legally. When it is time to make sure that your motorcycle has the insurance you need, we invite you to reach out to our team here at Associated American Insurance to discuss your motorcycle insurance needs in New Hampshire.

Motorcycle Insurance Requirements in New Hampshire

Have you recently purchased a motorcycle in New Hampshire, or moved to the state and need to know what you need for your motorcycle insurance? Read on to learn more, and also talk to an insurance agent at Associated American Insurance, serving the greater Manchester, NH area.

You may be surprised to learn that New Hampshire is one of just three states in the US that does not require every rider to have an insurance policy for a motorcycle. However, many circumstances might make this necessary. For instance, if a rider has been convicted of a DUI for drugs or alcohol, he or she may be required to have an insurance policy. This is also the case if the individual has multiple reckless operation citations.

Consider What’s Best for Your Situation

Though it’s less expensive to own a motorcycle without insurance, you’ll find it’s much the opposite if you get into an accident. For this reason, it’s a good idea to have insurance coverage. New Hampshire is an at-fault state, which means that if you don’t have appropriate coverage and you’re found to be at-fault for an accident in which you were involved, you will have to deal with penalties, fines, possible license suspension, and even possible jail time. That’s in addition to having to pay the property and medical bills for the accident.

Minimum Motorcycle Insurance Requirements in New Hampshire

If you do decide you’d like to get motorcycle insurance, be sure you understand the limits. They are as follows:

  • $1,000 for medical payments
  • $25,000 for destruction or damage of property
  • $25,000 for death or physical injury to one individual
  • $50,000 for death or physical injury to two or more individuals

These limits are in place for good reason. If you want more information and help to figure out your motorcycle insurance policy perimeters, you can discuss it with Associated American Insurance of the Manchester, NH area.