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Financial Responsibility > Frequently Asked Questions > Crashes/Accidents

I was in a crash. Am I required to file an accident report?

How can I obtain a copy of an accident report?

Someone was involved in a crash while driving my vehicle. Who is required to complete the accident report?

Does New Hampshire require insurance on a vehicle?

An uninsured motorist hit my vehicle. How can I get restitution?

What can New Hampshire do if an uninsured motorist is an out-of-state resident?

Can a minor be suspended for an uninsured crash?

I am an uninsured motorist who has been in a crash and my privileges have been suspended. If I cannot reach a mutual agreement with the other party, how can I get my driving privileges reinstated?

back to topI was in a crash. Am I required to file an accident report?

If the police responded, no. If the police did not respond, and the combined damages were over $1,000.00 or someone was injured, you must file an Operator Report Adobe Acrobat Reader Symbol.

back to topHow can I obtain a copy of a crash/accident report?

For detailed information on how to obtain a copy of a crash/accident report, please visit Accident and Crashes.

back to topSomeone was involved in a crash while driving my vehicle. Who is required to complete the accident report?

The person who was driving your vehicle.

back to topDoes New Hampshire require insurance on a vehicle?

No. New Hampshire is not a mandatory or compulsory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owners SR-22 Certificate of Insurance.

back to topAn uninsured motorist hit my vehicle. How can I get restitution?

If the combined damages are over $1,000.00 or there is personal injury and the uninsured motorist is at fault, New Hampshire can suspend the uninsured motorist's driver license and registration privileges.

To request that an uninsured motorist's driver license and registration privileges be suspended, submit the following to the FR Crash Unit:

  • A copy of a police report or an Operator Report.Adobe Acrobat Reader Symbol
  • A written damage estimate.
  • A written request for New Hampshire to take action.

back to topWhat can New Hampshire do if an uninsured motorist is an out-of-state resident?

The person's privilege to drive in New Hampshire will be suspended, and his/her home state will be notified of the suspension.

back to topCan a minor be suspended for an uninsured crash?

Yes, a parent/guardian will be responsible only if there is a judgment in court against them.

back to topI am an uninsured motorist who has been in a crash and my privileges have been suspended. If I cannot reach a mutual agreement with the other party, what can I do to satisfy the security requirement for restitution?

You can post restitution with DMV. Restitution must be for the full amount and shall be accepted in only one of the following forms:

  • A certified check or money order, made payable to the "State of NH-DMV" for the exact amount specified; or
  • Cash for the exact amount specified; or
  • A standard interest bearing savings account in the exact amount specified, accompanied by a signed order of withdrawal.

Restitution may be submitted in person or mailed to:

NH Dept. of Safety
DMV - FR Crash Unit
23 Hazen Drive
Concord, NH 03305

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New Hampshire Division of Motor Vehicles | 23 Hazen Drive | Concord, NH 03305
TDD Access: Relay NH (800) 735-2964