Is New Hampshire a “no-fault” or “tort” state?
Sort of a blend of the two. New Hampshire is what is called an “add-on” state. In add-on states, drivers receive compensation from their own insurance company as they do in no-fault states, but there are no restrictions on lawsuits. The term “add-on” is used because in these states, first-party benefits have been added on to the traditional tort liability system. In New Hampshire, first-party coverage is optional, and the benefits may be lower than in true no-fault states. Of course, this is all provided your head isn’t made of some of that granite, and you got the insurance in the first place. If you have, indeed, been a rock head and haven’t protected yourself, the injured party is restituted personally by you-know-who – including everything won in an unrestricted lawsuit. If the traffic gods frown upon you, you could be left with nothing but those rocks in your head. Q: What type of insurance is required to purchase and maintain a New Hampshire tag and registration? A: Because there
