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Section Ins 1002.15 - Determining Amount of Motor Vehicle Total Loss Claims, N.H. Code Admin.
A car is considered a total loss in New Hampshire when the cost of repairs plus the salvage value is at least 75% of the vehicle's actual cash value. Actual cash value refers to how much the car was worth immediately before the damage, while the salvage value is the car's worth in its damaged state.
And, if you buy auto insurance in New Hampshire, uninsured/underinsured motorist bodily injury and property damage are mandatory coverages with the following minimum limits: $25,000 in uninsured/underinsured motorist bodily injury. $50,000 in total uninsured/underinsured motorist bodily injury per accident.
For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. The New Hampshire new-car insurance grace period is 7 to 30 days in most cases.
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.
Insurance companies in New Hampshire have 45 working days to settle a claim after it is filed. New Hampshire insurance companies also have specific time frames in which they must acknowledge the claim and then decide whether to accept it, before paying out the final settlement.