As a triathlete, every time I get on my bicycle, I worry about being hit by a vehicle. We can be very cautious while riding. However, there is nothing we can do if a motorist is not paying attention. What happens if you are hit by a motorist and the person has no...
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Insurance coverage
Amendment to the Definition of Uninsured Motor Vehicle Expands UM Coverage
The New Hampshire Legislature recently amended the statute that defines what is an uninsured motor vehicle. Prior to the amendment, the definition of an uninsured motor vehicle included two categories: (1) vehicles for which the liability insurer was unable to...
Trial Court finds student hit by a drunk driver is entitled to coverage under his school bus’s insurance policy
In 2008, an 11 year old student was dropped off at his usual bus stop along a busy road. As required by the nature of the bus stop, he had to walk with his back to traffic to get to his driveway. There was no sidewalk. Shortly after exiting the school bus, a drunk...
Hospitals cannot charge self-pay patients more than they charge insurance companies
Hospitals who bill insurance companies for care rendered to a patient often accept from the insurance company an amount that is significantly less than the billed amount. A person without insurance then may have to pay more for the same care as that...
Surplus Lines Umbrella Insurance May Be Required to Provide Uninsured Motorist Coverage in New Hampshire
McDowell & Osburn recently settled a case against a surplus lines insurer that did not want to provide uninsured motorist coverage for a 12 year-old girl who was hit by a car while walking across a street. The young girl suffered a brain...
You probably have uninsured motorist coverage and don’t know it
Do you have uninsured motorist coverage? If you have liability coverage for your vehicle, then you do. New Hampshire law requires that all automobile policies include uninsured motorist coverage in the same amount as liability coverage. See RSA 264:15. The reason...
Do Pooled Risk Management Programs Provide Insurance to Public Entities?
In New Hampshire there is a law that immunizes public entities, like cities and counties, from many kinds of personal injury claims (NH RSA 507-B:5). Most of these statutory immunities are waived to the extent the public entity has liability insurance (NH RSA...
Medical Payments Insurance Coverage
Medical Payments Coverage or “Med-pay” is required by New Hampshire law to be included as part of every car insurance policy. Med-pay is a no-fault coverage that gives you money for medical expenses if you are injured in an accident. This benefit is separate from...
