In the case of an accident,and you are at fault,you are liable for physical injury or infrastructural damage as a result of the accident. You may be required by court to take responsibility for paying for damages.
Even for an accident not caused by you,defending yourself from legal action could be nearly impossible.

What Coverage Should I Buy?
If you buy auto insurance in new hampshire, the minimum limits available for Liability coverage are 25/50/25.
This Liability coverage pays for charges for which you are legally liable. Auto insurance coverage of 25/50/25 pays up to $25,000 per person for physical injury,up to $50,000 if more than 2 persons are injured,and up to $25,000 for infrastructural damage.
Moreover,this coverage doesn’t pay for charges of repair of your own vehicle or property.

How much auto insurance coverage Should I Buy?
The merits of auto insurance is usually not seen until when an accident has occured.
Predicting the future is not possilbe, you can’t tell when it is safe to insure. However,your choice of coverage limits should be high enough to insure you from the loss of your assets,and pays for charges of physical and infrastructural damages against you. That is,if you have valuable assests and have a good income,it is advisable to buy higher limits than the minimum required by law.

Types of coverage in auto insurance:
The following types of auto insurance coverage are available in New hampshire
-Collision coverage- This auto insurance coverages covers charges of damage to your vehicle if it collides with another vehicle or object
-comprehensive coverage- This auto insurance coverages pays for damage to vehicle from other causes other than collision
-Custom/Non-factory Equipment coverage- This auto insurance pays for customized and non-factory items such as electric equipments,etc
-Rental reimbursement/transportation expenses- This auto insurance covers fee for renting another vehicle while yours is being repaired.