Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.
You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.
In New Hampshire, unlike most states, drivers are not required by law to carry a minimum amount of auto insurance. However, if a New Hampshire driver opts not to carry insurance, they must be able to demonstrate the ability to provide sufficient funds to meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the event of an at-fault accident. If a driver does choose to purchase auto insurance, the state recommends minimum liability coverage amounts of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Proof of insurance is typically required when a driver is involved in a traffic accident or stopped for a violation. Failure to provide proof of financial responsibility can result in penalties, including fines and suspension of driving privileges. Additionally, while insurance is not mandatory for registration, proof of financial responsibility is required, and failure to provide it can lead to similar penalties.