Every car is a rolling risk and should be insured. People tell me their car was not worth insuring. However, in the above scenario, if you had collision coverage, that would pay for damage to the car. If you had medical payments, that would pay your medical bills up to the limit you select, and if you had "uninsured" coverage, you could claim additional bodily injury damages.
I saw a study once that approximately 40 percent of cars in urban Massachusetts centers are not insured; this in a state where auto insurance is "mandatory." So, in New Hampshire, where insurance is not required, imagine how many cars are uninsured.
Don't count on the person who runs a stop sign and hits you to have had a temporary moment of sanity prior to the accident and to have retained insurance.
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Andrew Myers of Derry has law offices in Derry and North Andover. He is a member of the American Association for Justice and the New Hampshire Trial Lawyers Association. Send questions to email@example.com.