New Hampshire is the only state that does not require vehicle liability insurance or proof of financial responsibility. However, if you are involved in a car crash, which results in property damages amounting to $1,000 and/or any sort of bodily injuries, in addition to must filing an Accident Report, if you are the at fault driver, your driver’s license and your car registration will be suspended until you’ve paid for the damage you caused.
You will receive a notice regarding the suspension of your license, and registration as well as the requirements to reinstate your driving privileges, 10 days before the suspension takes effect. If you are proven at fault for the collision and are being sued by the other party involved in the crash, your suspension will last until you are able to satisfy any judgment. This can be very costly.
After you have paid for any damage caused, you can begin the process of having your license reinstated and your registration restored. To do this, you must obtain a valid insurance policy and an SR-22 filed by your insurer. You must submit proof of insurance to the court. Your insurance company will notify the DMV that you now have insurance.
Once you have paid for the damage and obtained an SR-22, you will have to pay reinstatement fees. The fees include a $100 License / Operation Privilege fee and a $25 Registration Privilege Restoration fee.
You must buy SR-22 insurance even if you do not own a car. If not, your license to drive will remain suspended. You are expected to maintain your SR-22 for 3 years, provided that you never get caught with any traffic violations within that period.
I recently counseled a young man who was found at fault for a three car collision. The damages to both vehicles were over $22,000.00. He is a student working part time. It will be a VERY long time before he legally drives again.
If you own a car please be sure to get insurance or you may find yourself owing a lot of money and not being able to drive.