Law Offices of Peter E. Hutchins

03/13/2026

More insurance advice. I highly recommend purchasing an umbrella (excess liability) policy which adds coverage on top of both your auto and homeowners. If you purchase one, it also automatically covers you for uninsured motorist coverage UNLESS you actually sign a waiver to opt out. Never ever ever do that. You want to protect yourselves. Any insurance agent who would offer you that option is incompetent. Then, if you are injured by an uninsured motorist, you are covered up to $1.25 million. If you have small liability limits (minimum in NH is $25,000), being injured by a negligent uninsured motorist can leave you in desperate financial straits.

11/25/2025

Auto Insurance Advice: In my personal injury practice, I see far too many people who are grossly underinsured. Having good auto liability insurance is not only critical to protecting your assets against claims, but also to protect yourselves and your families from negligent uninsured or underinsured motorists. This is all the more important in NH since auto insurance is not mandatory or required. I recommend liability / uninsured motorist limits of at least $250,000 per person and $500,000 per accident, and that you strongly consider a $1m umbrella to add coverage to both your auto and homeowners. You should also have medical payment benefits of at least $5,000 regardless of whether or not you have good health insurance. Having good auto insurance is so important given the high cost of medical services and devastating impact of potentially being out of work with an injury caused by a negligent or drunk driver. If you have any questions about this or anything related to auto accidents, injuries or liability insurance, please contact us and we are here to help. Have a Happy and Safe 2026!

11/25/2025

If you have been in a car accident, these are important things to do immediately if possible: (1) Call the police; (2) Don't tell the police you are not injured if you don't know - symptoms often arise later or the next day; (3) go to the ER or urgent care to be checked out, take an ambulance if offered or suggested; (4) Take photos at the scene if possible - or have your passenger do so; (5) follow up with your P*P or a specialist within a day or so of the ER visit; (6) don't rush back to work if you are injured - use sick days if necessary; (7) alert your own auto insurance company right away; (😎 call an experienced New Hampshire injury attorney within a week to help submit all claims property and preserve evidence. I have been specializing in auto cases and all types of injury cases in New Hampshire for 40 years, and would be happy to provide an initial consultation and representation.

11/14/2025

I recommend all to all my clients AND friends to purchase an UMBRELLA 0R EXCESS POLICY to layer $1,000,000 on top of the coverages in both your auto and homeowners policies. This protects your assets in the event that you are in a catastrophic accident that is your fault. Perhaps just as important it provides the additional $1m to you in uninsured motorist coverage in the event you or a family member are badly injured yourselves in an accident with an uninsured motorist. This uninsured motorist coverage is automatic in NH by law UNLESS you waive it in writing - which you should NEVER do. You save a whole $10 or so by doing so, and perhaps lose a million. That has happened to several of my clients in the 2-3 years - heartbreaking. Call your auto insurer today and add the umbrella for the safety of yourself and your family.

11/14/2025

Should she resign or stay on to collect her pension? https://www.wmur.com/article/supreme-court-justice-hantz-marconi-letter-111425/69441599?utm_campaign=snd-autopilot&fbclid=IwY2xjawOEgfVleHRuA2FlbQIxMQBicmlkETFZZGJ3aWVoMjI0TnBaS09Oc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHoXtCRM1kBFI9Rri7OsHqLdpRPOHzZL5e5Zagp-o4QNohupGcqdrodWCZtm6_aem_7q3msVUMIYmBdTmpaOGp-Q

New Hampshire Supreme Court Justice Anna Barbara Hantz Marconi has informed the court she will no longer participate in case assignments, deliberations or judicial decision-making.

05/20/2025

Good for her. Time for liberal woke judges and local politicians to be stopped.

The Supreme Court ordered Maine's legislature to revoke its censure of GOP state representative Laurel Libby for identifying a transgender high school athlete.