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!)  
Visit the NH SR22 Insurance BLOG

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     UnitedHealthcare®
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.

​For a more in depth comparison of the Plan F and Plan N- Visit our article here.

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.