Car insurance generally includes cars in New Hampshire. The types of car insurance that follow the car in New Hampshire are liability for bodily injury, liability for personal injury, collision, and all risks. You are required to assume responsibility for bodily injury and property damage in New Hampshire. Car insurance in New Hampshire isn't required, but New Hampshire law requires that you show proof of financial responsibility if you're responsible for someone else's injuries or damages.
Car insurance for non-homeowners generally only offers liability coverage, as there is no vehicle to protect. You may still have to file a claim for collision coverage if your car is damaged, but your insurance company can sue the actual driver's insurance company to cover the costs behind the scenes. Likewise, you don't need insurance to drive someone else's car, since their policy is likely to have some kind of permissive use. However, if you don't have a car (so you don't have insurance) and you normally borrow someone else's car, you might want to invest in car insurance for people who aren't homeowners.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. This is why car insurance tends to follow the car and not the driver, because the details of the car are what matter most for coverage. Your car insurance generally covers other drivers who drive your vehicle, as long as you have given the person permission to use your car. For example, if a friend borrows your car without asking and then has an accident, your insurance won't pay the bill as long as you can prove that that person didn't have your license to drive your car.
Progressive offers a variety of coverage options and discount opportunities for car insurance in New Hampshire, so you can drive with peace of mind and affordable protection. Even if your plan doesn't have permissive use, your car insurance could cover you if you cause an accident. If you borrow your friend's car every day to go to work, or if you're between cars, you might want car insurance for people who aren't homeowners. You may hear a lot of different opinions about car insurance coverage when you drive someone else's car.
Contrary to the general rule that “insurance follows the car rule,” car insurance for non-homeowners follows the driver, because there is no car to follow. Before you tackle the winding roads of the White Mountains, make sure you have reliable car insurance.