As you are aware, New Hampshire law does not require you to have auto insurance, however, if you have an at-fault accident without insurance coverage, you will be required to post a bond or cash equal to the amount of damage you caused in that accident.

The NH DMV says that in an accident where combined damages are over $1000 or there is personal injury and the uninsured motorist is at fault NH can suspend your license and registration privileges.

The Department of Insurance in NH states you must also satisfy the NH Financial Responsibility requirements to continue to operate a vehicle in NH. The minimum limits are 25/50/25.

Because of being in an accident the DMV will likely require an SR-22 certificate for 3 years. If a court judgment is obtained or a restitution agreement is defaulted insurance will be required beyond the 3 year period until full restitution is paid.

These are state penalties your daughter might get due to the situation. As for paying restitution, if the other person is unwilling to send your daughter information on what to pay, she might have to seek legal counsel. The other option is to contact the DMV or Insurance Department and see if they can provide her information on how to pay restitution without going to court.