(603) 625-5400 service@nerisk.com

Auto Insurance

Don’t take chances with an anonymous agent.  We’ll get to know you and your unique automobile insurance needs.

Sure we can provide you a multi-company rate comparison in a just few minutes but more importantly, we’re here for you after the sale.  Don’t become just another policy number at an insurance company service center located who knows where.   We’re located in Manchester, NH and know each and every one of our customers.  Let’s face it, we all want our insurance company to understand our needs but that’s almost impossible if you speak to a different person each time you call.  Better yet, we’re an Independent Insurance Agent.  We shop the multiple companies we represent to find the best deal for you!


To get an instant multi-company rate comparison just click here!

Click here to download the Consumer’s Guide to Auto Insurance


Auto Insurance Coverages to consider:

Auto Liability Coverage – This provides coverage for liability incurred as the result of an auto accident you cause. It also covers expenses for a lawyer to defend you should that become necessary.  There are two kinds of liability coverage:

Bodily Injury Liability Coverage – This coverage pays for claims made as the result of injury to others resulting from an accident you cause. It compensates others for pain, suffering and economic damages, such as lost wages.

Property Damage Liability Coverage – This coverage pays for damage to another auto or property of others incurred as the result of an auto accident caused by you.

Uninsured or Under-insured Motorist Bodily Injury Coverage – This coverage pays for injury to you if you are involved in an accident involving an automobile driven by an individual who is uninsured or under-insured and who is found to be liable for your damages.

Medical Payments Coverage – This coverage pays for medical costs incurred as a result of injuries sustained in an accident without regard to fault. This coverage will pay for covered expenses up to one year (this time-frame may vary by insurance company) following the date that the injuries are sustained.

Collision Coverage – This coverage pays for damage to your auto when it collides with another auto or object. This coverage is required, if  you finance or lease a vehicle.

Comprehensive Coverage – This coverage pays for damage to or the loss of your auto from causes other than collision (for example: hail, vandalism, fire, theft, etc.). This coverage is required, if you finance or lease a vehicle.

Towing and Labor Coverage – This coverage reimburses you for towing expenses when your auto becomes disabled and requires roadside assistance.

Rental Reimbursement/Transportation Expenses – This coverage, if provided, pays a specified amount for help in covering the necessary rental of a substitute auto while yours is being repaired. This coverage applies for a limited period of time and is referenced in your policy conditions.

GAP Protection –  Covers the gap between your debt on the auto loan (or lease) and the value of your car.  Generally needed if you put little or no money down.