New Hampshire Motor Vehicle Accident Settlement Calculator

New Hampshire gives you 3 years from the date of the incident to file a lawsuit, which is in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. New Hampshire applies a discovery rule, meaning the clock may start when you discover (or should have discovered) the injury rather than when the incident occurred.

New Hampshire’s mandatory minimum auto insurance is 25/50/25 (bodily injury per person / per accident / property damage). These are relatively low minimums. Medical costs from even a moderate car accident frequently exceed $25K, which means you may need to pursue additional recovery options if the at-fault driver carries only the minimum. New Hampshire requires uninsured motorist (UM) coverage but not underinsured motorist coverage. Adding UIM coverage to your own policy is recommended.

If your car accident involved a government vehicle or occurred due to a government-maintained road defect in New Hampshire, you face a significantly shorter deadline. New Hampshire requires you to file a notice of claim within 180 days of the incident — far shorter than the standard statute of limitations. Missing this notice deadline can permanently bar your claim against the government entity, even if the regular filing deadline has not yet passed.