[fatlazyless]

If you are uninsured and receive a bill for say $18,000 from the NH-DES then you are expected to pay the full $18,000.

If you have strong insurance coverage then I expect the insurance company actually pays a negotiated price that's much less than $18,000 ....... maybe $6000 and the bill is considered paid by the driver, barge, and environmental and NH-DES..... or something like that.

An uninsured person is a self-insured person and will pay much much more than someone with insurance coverage..

Having strong insurance totally changes the results for the covered person. You are almost totally covered and the insurance company actually pays out much less to pay the bills. Is this an accurate scenario?

So basically, if you don't have strong insurance coverage it will cost you BIG.