Bodily Injury to Others
Accidents are not expected but if they do happen this will cover a 3rd party if you are deemed at fault for the accident
Covers medical payments that go over your Liability Insurance coverage. Many health insurances are high deductible plans, this coverage can help on the small medical payments under your deductible.
If you run into a guard rail, fence, tree or a car- this will cover to pay property damage to a 3rd party
Did you know New Hampshire is the only state that does not require auto insurance? Even with this a study done in 2015 for largest percentage of uninsured shows NH ranked 35 out of 50 at 9.9% uninsured. This coverage will help you if you have an accident with one of the 9.9% in the state.