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ogurekplz t1_izbrvyi wrote

Last year an underage driver without a license stole their parents car and drove into my house, destroying the porch and also side swiped our car right before also hitting and destroying a car with a pregnant woman inside. Police did nothing, kid had no consequences, we ate shit. Uninsured car/parents, the moment that made me realize why the fuck it is not required in this backwards state. I just felt like sharing that wholesome Manchester experience. Best you can do is deal with your own insurance, very hopefully you have it. Possibly a lawyer like others have said.

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cafeRacr t1_izcl30y wrote

I'm no lawyer, but it would probably be worth suing the parents. While you probably won't get the money if you win, it will completely screw their ability to get a loan for a car or house.

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[deleted] t1_izbs94l wrote

I thought in order to opt out of car insurance in New Hampshire you had to provide documentation that you were self ensuring that you had the funds on hand to do so I would be suing everybody

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ogurekplz t1_izbsdul wrote

I believe the car simply cannot be under a loan, etc. so if you have a paid off shit box, you’re all set to drive uninsured. At least that was the case a decade ago when I couldn’t afford insurance

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Purplish_Peenk t1_izbwqx0 wrote

You are correct. As long as you have no note on the car you can drive uninsured. Car hit mine and wife had to come pick him up as the car was a total loss. Wife offhandedly makes a comment about insurance covering it when he admitted that it lapsed and he no longer has any on it. Thought the cop was going to have to deescalate the situation.

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[deleted] t1_izbyt97 wrote

No uninsured motorist coverage on your policy in NH?

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