My car is registered in NH. It was parked in MA. A uninsured NH resident hit my car while parked. What can I do to get my deductable back from my Ins.
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
My car is registered in NH. It was parked in MA. A uninsured NH resident hit my car while parked. What can I do to get my deductable back from my Ins.
My Car was parked in MA, I live in NH. A NH driver hit my car and then totaled another car. He has no insurance and was stopped 20 mins earlier by the MA Police. He passed a sober field test then crashed into my park car. I have NH insurance but my deductable is 500.00 and I have to partialy pay for a rental. The uninsured NH driver walked away scott free because NH does not require Ins. What can I do to recover my losses? The driver is 19 yrs old.
Asked on June 5, 2009 under Accident Law, New Hampshire
Answers:
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 14 years ago | Contributor
The rest of my answer was cut off. Sorry. It does appear that the driver in your case had no insurance. You will need to sue him (and the owner of the vehicle if he was not the owner) in small claims court. Take with you the police report, the documents that show your coverage and deductible, the estimate for repair and if you had the vehicle repaired, the check showing the deducted amount. Pictures of the damage could help as well. Here is the link to the small claims courts in NH: http://www.courts.state.nh.us/district/claims.htm Good luck.
M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney
Answered 14 years ago | Contributor
Unlike almost every other state, New Hampshire does not automatically require motorists to carry an auto liability insurance policy or provide some of financial backing in order to drive a vehicle within its boundaries.
However, a party may be forced to carry liability insurance if they have:
- Been involved in an accident.
- A conviction for driving under the influence of alcohol or drugs.
- Multiple reckless driving convictions.
- A traffic violation conviction that triggers a review.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.