New Hampshire is known for its scenic routes and small-town charm, but car accidents still occur every day—from Concord to Manchester and along the White Mountains. If you’ve been injured in a car crash in New Hampshire, understanding the state’s laws can help you protect your rights, make informed decisions, and pursue fair compensation. This guide covers insurance rules, liability, deadlines, and general personal injury laws that apply to car accidents in the state.
New Hampshire Is a Fault-Based State Without Mandatory Auto Insurance
New Hampshire is one of the few states that does not require drivers to carry auto insurance—but if you are responsible for a crash, you are still liable for the damages. If you do purchase insurance (and most drivers do), the state recommends minimum coverage limits of:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
If you don’t carry insurance and cause a crash, you are personally responsible for all damages. The victim can file a claim or a lawsuit directly against you.
Modified Comparative Fault Rule
New Hampshire follows a modified comparative fault system with a 51% bar. This means if you are 50% or less at fault for the accident, you can still recover damages. If you are 51% or more responsible, you are barred from any recovery.
For instance, if your total damages are $100,000 and you’re found 40% at fault, your award will be reduced to $60,000.
Statute of Limitations for Car Accident Claims
In New Hampshire, you generally have three years from the date of the accident to file a personal injury lawsuit. This applies to both injury claims and property damage claims.
Failing to meet this deadline can result in your case being dismissed, even if you had strong evidence.
Reporting a Crash in New Hampshire
You must report a crash to law enforcement if:
- There is injury or death
- There is more than $1,000 in property damage
If police do not respond to the scene, you must file a written report with the New Hampshire Department of Safety within 15 days. Reporting your crash also helps support your insurance claim or legal case.
General Personal Injury Laws in New Hampshire
New Hampshire allows individuals to seek compensation through personal injury claims when they’ve been harmed due to someone else’s negligence. Common cases include:
- Car and truck accidents
- Motorcycle crashes
- Slip and fall injuries
- Dog bites
- Medical malpractice
Damages may include medical bills, future medical needs, lost wages, diminished earning capacity, pain and suffering, and emotional distress. New Hampshire generally does not cap personal injury damages, although punitive damages are rarely awarded.
Types of Compensation Available
If you’re hurt in a crash, you may be eligible to receive:
- Emergency medical treatment and follow-up care costs
- Lost wages during recovery
- Future loss of income if you’re permanently affected
- Pain and suffering
- Mental and emotional distress
- Vehicle repair or replacement
The exact amount depends on the seriousness of your injuries and who is at fault.
What Happens if the At-Fault Driver Is Uninsured?
Although insurance is not mandatory, many drivers carry uninsured motorist (UM) and underinsured motorist (UIM) coverage. If you’re hit by someone without insurance or with insufficient coverage, your UM/UIM coverage can help pay for medical expenses and other losses.
Without insurance, you may need to sue the at-fault driver personally and try to collect damages through a court judgment.
Can Passengers File Claims After an Accident?
Yes. Injured passengers have the right to file a claim for compensation, just like drivers. They can seek damages from the at-fault driver—whether that’s the person driving their vehicle or another party involved in the crash. If more than one driver was responsible, passengers may be able to file multiple claims.
Do You Need a Lawyer After a New Hampshire Car Accident?
Car accidents often involve more than just a fender-bender—especially when injuries, insurance disputes, or uninsured drivers are involved. A personal injury lawyer can help protect your rights, investigate the accident, deal with insurance companies, and build a strong claim. Most attorneys offer free consultations and work on a contingency fee basis.