Injured in a Car Accident by an Uninsured Motorist?

If you're a victim of a personal injury caused by an uninsured motorist and don't have uninsured motorist's coverage on your policy, you've played a really dangerous game of chance and lost.

In New Hampshire, uninsured motorist's coverage, although not required by law, is voluntary insurance that covers your personal injury claim if you are injured by a driver without any auto insurance. Consumer agencies, personal injury attorneys and insurance companies all recommend this type of coverage.

In New Hampshire, uninsured motorist's coverage, although not required by law, is voluntary insurance that covers your personal injury claim if you are injured by a driver without any auto insurance. Consumer agencies, personal injury attorneys and insurance companies all recommend this type of coverage.

According to a recent report from the Insurance Research Council (IRC), the number of uninsured Americans driving without insurance is approximately one in six. IRC states this is an increase from previous years due to the country's economic woes. The report found a strong correlation between the unemployment rate and the percentage of uninsured motorists.

Elizabeth Sprinkel, IRC's senior vice president said, "An increase in the number of uninsured motorists is an unfortunate consequence of the economic downturn and illustrates how virtually everyone is affected by recent economic developments. Responsible drivers who purchase insurance end up paying for injuries caused by uninsured drivers."

Contrary to the public perception of the high cost of insurance, uninsured motorist coverage is surprisingly cheap. Although considered the insurance of last resort, the few dollars per month it costs to carry it, is definitely worth it.

New Hampshire is one of the few states that do not require car owners to carry car insurance. Owners must, however, satisfy "New Hampshire's Financial Responsibility" requirements if they elect not to carry insurance. When they register their vehicle with the DMV, they must file an "Owner's Certificate," using the SR22 form provided. This then becomes proof that if they are at fault in an accident, they are financially capable of meeting the state's minimum insurance limits.

Any serious personal injury is a life-changing event. So don't gamble with your well-being. If you don't have uninsured coverage and a driver with no insurance caused injuries, it just adds to your pain, frustration and expense.

If this has happened to you, New Hampshire car crash attorney, Ryan Russman will be a valuable asset. Attorney Russman is an experienced New Hampshire lawyer that knows how to protect the victims of uninsured drivers and fight to get you the full compensation you deserve.