NH SR22 Car Insurance FAQ. Facts and Info by Steve Donohue Insurance Writer and NH SR-22 Car Insurance Specialist

In this Blog we plan on sharing with you answers to the 10 most common questions we hear at Atlantic Insurance & Benefit Co. when it comes to SR22 Insurance here in NH.

What is a NH SR-22?
Many people consider NH SR22 a type of insurance- it is ACTUALLY A CERTIFICATE that a NH Car insurance company sends the NH DMV that verifies that you have auto insurance.

Who needs an SR22 in NH?
In NH while car insurance is NOT required for all drivers - there are times when a NH Resident may be required to provide proof of financial responsibility- or in laymen's terms get a NH SR22. They are

• DWI - (1st, 2nd, Subsequent, and Aggravated) and Underage DWI  (also called DUI in NH)
• Convicted of Leaving Scene of Accident
• Reckless Driving Conviction
• Excessive Demerit Points on your license
• Driving after License Revocation

What does an SR-22 Cost here in NH?
The cost of an NH SR-22 - the certificate sent to the NH DMV to prove you have insurance is cheap- just $25. But the cost of an SR22 here in NH varies by person. The ACTUAL COST of SR-22 will depend upon your age, driving record, accident history, credit, occupation and a bunch of other rating factors. A quick call to our agency 603-882-2909 we can quote and issue an SR-22 right over the phone- if you need proof we have the pink slip (see picture) that you can bring to NH DMV to get your license reinstated. Need an SR22 quote? Use our simple online quote request here. We usually can return NH SR22 insurance quote via email within 60 minutes.

How do you get an SR22  in New Hampshire?
Getting an SR-22 here in NH is as easy as applying for car insurance. You can call an insurance agency like our firm that specializes in NH state responsibility or you can even call an insurance company directly.

One of the advantages to working with our firm is that we can offer same day  SR-22 Form- or commonly called a "Pink Slip". See actual picture of NH Sr22 here:
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What are the different kinds of SR22 Insurance here in NH?
There are 3 different kinds of SR-22 in NH:
1. The operator's certificate (most common)
2. The owner's certificate
3. The owner's/operator's certificate
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What does an SR-22 cover in NH?
SR22  insurance will cover property damage and any liability arising from an accident in which the reinstated motorist is involved. It is called as financial responsibility or state responsibility insurance because it covers the motorist's liability to others if he/she gets involved in an accident.

How Long will I require an SR-22 in NH?
The answer to this question varies- but the for most offenses the answer is 36 months.

Can I be denied an SR-22 in NH?
No.

NH is called a "take all comers" state when it comes to auto insurance. So you cannot be denied an SR-22. "Refusal to write an SR22 by an insurer or producer/agent would violate the statutes requiring proof of financial responsibility and NH “take all comers” requirement." (This is directly from a brochure written by the NH  Insurance Department- this brochure can be downloaded here.)

Can I appeal the NH SR-22 Requirement?
Yes. Some people will hire an attorney to help appeal the decision, or to fight a DUI.  In NH, we recommend a law firm that specializes in NH Sr-22. Please visit Shepherd and Osborne here.

Here is the actual answer form the NH insurance Dept. FAQ on SR-22 
"Once the “at-fault,” uninsured operator has received a suspension notice he/she has 30 days to request a hearing and discuss his/her concerns relative to the uninsured,“at-fault” accident. "

Where can I go for more info on NH SR-22 Financial responsibility requirements?
There are a few resources that we recommend - please see helpful links listed below:
NH Division of Motor Vehicles SR-22 Page
NH Insurance Department Auto Insurance & SR-22 FAQ brochure
Understanding the SR-22 requirement- NerdWallet Financial Website SR-22 FAQ
Progressive 3 Things you Should Know about SR22  (Progressive is one of our Preferred SR-22 Partners!)  

We don't expect you to be an auto insurance and SR22 coverage expert- that's our job!
Thanks for visiting our blog. Please give us a call 603-882-2909 and we will answer any questions you may have about NH Sr22 coverage. We are here to can walk you through the process and help you get the most affordable SR22 car insurance coverage available here in NH.

Atlantic Insurance & Benefit Co specializes in NH SR-22 auto insurance in Nashua, Concord, Hooksett, Manchester, Derry, Hudson, Hollis, Amherst and Merrimack NH. 

by Steve Donohue, Medicare Supplement Insurance NH specialist. Please call 1-888-882-2909 for NH Medicare Supplement Quote

​In NH, the Medicare Supplement Plan N is growing in popularity.
When compared to the Plan F, the Plan N can save savvy NH seniors $50, $60 or even $70 a month on their monthly Medicare Supplement premiums. So there must be a catch... right? 

Well yes- and no!

First introduced in 2010, the Plan N is what I like to call the attractive younger sister of the Plan F. It's a great deal for those who want to trade lower premiums in exchange for taking on a small annual Part B deductible and some copays.

In some ways the plan N is MUCH LIKE the Plan F.

• Like the Plan F, The Medigap Plan N does cover the Hospital Deductible (which for 2017 is  $1316)
• Like The Plan F the Medicare Plan  N covers the hospital copays ($329 or $658)
• Like the Plan F it provides an extra year of hospital benefits AFTER Medicare runs out
• Offers Hospice Care at any certified hospice
• Includes a Foreign Travel Emergency Benefit

How is the NH Medicare Supplemental Plan N different than the Plan F?

• With the plan N you must pay the Part B deductible $183 year (2017)
• Also with the Plan N you pay Up to $20 Copay at the doctor (Primary or Specialist)
• Plan N members are responsible for $50 copay at the ER
• Plan N Does not cover Excess Medicare Charges 

What company has the best insurance rates for the  NH Medicare Supplement Plan N for 2017 and 2018?
NH Medicare Medigap Supplement Insurance Plan N  Top 5 Insurers- 2017

AGE 65 Female 2017 NH Best Insurers for Medicare Supplement Plan N
117.56     American Retirement Life Insurance Co.
119.73     Anthem Blue Cross Blue Shield of NH (with EFT- also 5% household discount available)
119.94     Colonial Penn Life Insurance
120.50     Globe Life & Accident Insurance Co.
123.12     Continental Life Insurance Co. of Brentwood TN

Age 65 Male 2017 Top 5 Insurers Lowest Cost Medigap Plan N Premiums
120.50     Globe Life & Accident Insurance Co.
131.75     United Healthcare
131.90     Anthem Blue Cross Blue Shield of NH (with EFT- also 5% household discount available)
133.15     Colonial Penn Life Insurance
134.20     First Health & Life Insurance Co.

Who might like the NH Medigap Plan N?
If you want to save some money on your premiums (vs. Plan F) and you do not paying some modest out of pocket costs this plan is for you! Plus remember with the Plan N you can see ANY doctor who accepts Medicare (which are most doctors!) We find that relatively healthy seniors- or NH Medicare supplement consumers with infrequent visits to the doctor really enjoy the flexibility and affordability of the Plan N.

If you have questions about which Medicare Supplement plan is right for you please give us a call at 1-888-882-2909. Atlantic Insurance & Benefit Co. offers  all kinds of insurance to people of all ages in Nashua, Merrimack, Derry, Bedford, Londonderry, Salem, Hollis and Brookline, NH. 

NH Car Insurance Company Progressive offers tips on how to get connected with your neighborhood.
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Have you recently moved to Nashua?  
If so you probably need some help getting new NH Home  or Car Insurance quotes - call us at  603-882-2909 - or visit our online  NH Insurance quote site here.

Also see quick overview of helpful article written by Brittany Anstrom- in it she suggests these 5 ways to connect with neighbors:

1. Get Outside- (Let's hope it's not winter.. brr..) Just doing yard work, taking a walk, or washing your car- you will have a chance to meet your neighbors.
2. Find the Cruise Director- what she means by this is that in every neighborhood there is one person that knows EVERYBODY! get to know that person and you will be introduced to many more.
3. "Friend" them on social media
4. Find and Frequent Local Hot Spots- here in Nashua some great suggestions are: Bagel Alley, Greeley Park, Mines Falls Park, Margaritas just to name a few.
5. Let your kids or pets lead the way- this is a great suggestion.

This is just a quick overview- She does a better job See full article here (it's helpful & well written):
https://www.progressive.com/lifelanes/meeting-the-neighbors/

article by NH SR22 Car insurance agent Steve Donohue  of Atlantic Insurance in Nashua, NH.

In NH you may need an SR-22 if you get a DUI- get involved in an accident- or get caught driving without a license.

The NH SR22 is best described below- see quote from NH.gov Dept. of Safety website:

• What is an SR-22?
  An SR-22 is a certificate of "proof of liability insurance" which must be submitted by an insurance company licensed to do business in New Hampshire. The insurance is for liability. New Hampshire DMV requires the certificate be either for Owner or Non Owner. If an Owner SR-22 is submitted it must NOT list your vehicles but state, "Any Vehicles Owned by the Insured." If a Non-Owner, it must state, "Any Vehicles Driven by the Insured." An SR-22 is valid until cancelled by use of an SR-26 certificate.

So as mentioned above there are different versions of the NH SR22. They are:

1. The operator's certificate (this SR22 is the most common SR22 in NH)
2. The owner's certificate
3. The owner's/operator's certificate

SR22 is a unique kind of NH Car insurance.  If you have questions about what kind of SR22  you need here in NH please call us toll-free at 1-888-882-2909, we are happy to help you answer any questions.

We can also give you a New Hampshire SR22  quote over the phone-or - you can request NH SR22 quote here online.

Atlantic Insurance &Benefit Co. is dedicated to helping NH insurance consumers understand their rights- we offer SAME DAY Sr22 forms- we can overnight you documentation- or meet up with you somewhere convenient to get you the SR22 pink slip.

A&B by Steve Donohue NH Medicare Supplement and Advantage Insurance Broker
 
Here at Atlantic Insurance & Benefit we specialize in helping  our clients buy NH & MA Medicare Supplement Insurance and Medicare Advantage Plans. There are several different times when someone can enroll in Medicare Parts A & B - here are questions and answers that may help you.

Q: When is Medicare Open Enrollment?
A:  Open Enrollment October 15- December 7th each year!

Q: What is Medicare Open Enrollment?
Medicare Open Enrollment is a time each year where Seniors may make a new decision for the Medicare coverages for the upcoming year (January 1).

Each year Medicare Advantage and Part D plans are able to make changes to their coverage. So we often see plans change in costs, coverage, pharmacies and even DRUG FORMULARY (how RX are covered). It's important that Seniors who are Medicare eligible  take the time to review their current coverage and evaluate how proposed changes will impact them for the upcoming year.

Here is a quick list of what can be done during Medicare's annual open enrollment:

• Select a new Part D RX plan
• If you are enrolled in a Medicare Advantage Plan you can choose a different Medicare Advantage Plan-or-decide to return to Original Medicare
• If you are enrolled on Original Medicare (For example an NH Medicare Supplement Plan F and a Part D RX)  you can depart that type of coverage enroll in a Medicare Advantage Plan

Q: When can I see changes in plans for upcoming year?
​A: Most NH Medicare Advantage and NH Part D RX plans will publish their upcoming year info around October 1st.
(We know our Senior clients are early birds!! On Medicare.gov they say early October is when new plan info is available).

Q: When Can I enroll in Medicare?
A: The Medicare Initial Enrollment Period (IEP) is the time when you can enroll in Medicare Part A and or Part B.
The IEP begins 3 months  before your 65th birthday - includes the month that you turn 65- and lasts for an extra three months  after your birth month. (So it's a lucky 7 months total!)

Q: What happens if I do not need Medicare because I have insurance through work?
A: You can delay enrolling in Medicare as long as the coverage you have is considered Creditable Coverage by Medicare Standards. (Creditable Coverage is defined here- but in laymen's terms if your employer health insurance is as good as Medicare you have Creditable Coverage. Most employer sponsored plans meet this criteria).

So you if you say "No thank you" to Medicare A&B when you are first eligible you can enroll in Medicare A&B pretty much ANY Time.  Also when you leave employment or lose employer sponsored plan you have what is called a SEP. We say think of it as your OWN SPECIAL OPEN ENROLLMENT PERIOD. 

​For more info on SEP visit Medicare's website here.

Q: What is the General Enrollment Period?
A: You can sign up for Medicare Part A and B January 1- March 31 each year If:

• You did NOT sign up for Medicare A&B when you were first eligible
• You are NOT eligible for a Special Enrollment Period 

If you are not certain about what kind of enrollment period you qualify for- or- if you need help planning for the Medicare enrollment for you, your spouse or parent please call us today toll-free 1-888-882-2909. We are happy to answer any questions and provide guidance for your unique situation.

Also see our helpful Medicare Articles below:

Seniors Advice on What to do When you hit the Donut Hole 

3 Tools to Learn More about NH Medicare Supplement and Medicare Advantage Plans


Stephen J. Donohue, Jr. is a Registered Health Underwriter who specializes in helping NH and MA Seniors make the best Medicare Supplement Insurance or Medicare Advantage Insurance decision.  

by Nashua based Insurance agent Stephen Donohue

We are so thrilled at the boost in activity on our website. Earlier this year we attended a Bricks & Clicks seminar offered by one of our insurance partners SafeCo. We made some changes to our website and in the past 6 months our daily website traffic has doubled in unique visits and our page visits have more than tripled. 

One of the areas that we see a real boost in our web traffic is  client's requesting online quotes.

Here are a few resources that I want to highlight below:

Online NH Car Insurance Quote- LIVE

Online NH Renters Insurance Quote LIVE

Online Home Insurance Quote- LIVE

Online SR22 Quote- May take up to 12 hours

What we are finding is that customers will do some online research first- then reach out to us with additional questions about their quote.

We welcome you to test drive one of our online secure quoting tools above by clicking the links- or- feel free to call our agency and get a quote over the phone at 1-888-882-2909.
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Atlantic Insurance helps people with car, home, motorcycle and umbrella insurance in Nashua, Merrimack, Hudson, Bedford, Hollis and Brookline NH.

As a Nashua, NH independent insurance agency we have the ability to work with pretty much any NH auto insurance company- but here are 6 reasons why we like Progressive NH's Car Insurance.

1. Rates- Progressive consistently has competitive rates for NH auto insurance customers- and when we say competitive- we find Progressive competitive in so many different categories. Whether our clients are young, older, good drivers, drivers with accidents or complex MVR history- Progressive competes for each client with attractive premiums.
2. Discounts- Progressive offers many  auto insurance discounts including safe driver, good student, homeowner's, multi-car, package, just to name a few- we see our clients routinely qualify for discounts and get competitive rates.
3. NH SR22 Insurance-  For any client who has had a DUI, or a suspended license the SR-22 is often a fact of life for 36 months. (See article about NH SR22 Insurance here) . Progressive makes it easy to get the SR22 proof of financial responsibility filing with NH DMV. 
4. Toys- No matter what kind of toy with a motor on it you have- Progressive has a policy for it. Boat, RV, Motorcycle, scooter, ATV, snowmobile..! You name it and Progressive insures it ! (plus the discount they offer on your auto insurance makes having the toy affordable!) 
5. Commercial Auto Insurance- If you have a fleet of trucks or just one delivery van Progressive can offer your business attractive package for NH commercial auto insurance coverage.
6. Excellent Customer Service - with online access and a toll-free number that is available and quick to answer Progressive solves our clients problems with a single call. Progressive offers to E-mail policies and ID Cards- so that most of our clients can just click their email on their I-Phone and pull up their Auto ID card and policy info.

If you want a quote for Progressive NH Auto Insurance please call us today at 603-882-2909.

Atlantic Insurance is an independent NH Progressive Car Insurance agent located on Main St. Nashua, NH and serving southern NH.

by Stephen Donohue NH and MA Medicare Supplement Insurance Broker 

​Here at Atlantic Insurance & Benefit Company we work with seniors to help them find the Medicare Supplement or Medicare Advantage plan that best meets their unique situation.

When researching options, we find that Medicare eligible consumers are often overwhelmed by the amount of mailers they receive as their mailbox is filled with new solicitations daily.


Here are 3 resources that we think will help anyone who is shopping for Medicare insurance coverage here in NH:

1. 2017 NH Guide to Medicare Supplement Insurance- published by the NH Insurance Department annually this brochure has information and rates the insurance companies  that sell Medicare Supplement  plans in NH. (One helpful tip- the two of the most popular plans are the Plan F and Plan N). Download  2017 NH Guide to Medicare Supplement insurance  here.
2. Medicare Plan Finder-www.medicare.gov/find-a-plan this resource is a helpful tool for seniors to shop for either a Medicare Part D RX Stand Alone Plan- AND ALSO - the Medicare Advantage Plans that are offered here in NH.
3. My Medicare Preventive Benefits Checklist- this is a helpful tool available on Medicare.gov that lets seniors track the  preventive services that are offered by Medicare. Medicare does cover things like Flue Shots and Colon Cancer Screenings. Medicare also offers tests for Diabetes, Bone Mass Measurement and Glaucoma. Download My Medicare Preventive Benefits Checklist here.

If you have any questions about which Medicare option is right for you please call us today at 1-888-882-2909.

Stephen Donohue is a Medicare Supplement broker located in Nashua, NH offering Medicare supplement and advantage insurance coverage to seniors in Nashua, Hudson, Merrimack, Manchester, Hollis, Derry, Londonderry, NH and also throughout MA.