What is a car accident claim worth in New Hampshire?
Every rule below is quoted from New Hampshire law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in New Hampshire, and the New Hampshire rules that raise or lower what you collect. $31,286 was the average injury claim paid in New Hampshire in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from New Hampshire law on this site, each with a link.
What claims paid in New Hampshire
Injury claims in New Hampshire averaged $31,286 each in 2022.
Car and property damage claims averaged $5,642.
| Injury claim paid by the at fault driver's insurance | $31,286 |
|---|---|
| Car and property damage | $5,642 |
| Medical payments coverage, paid by your own policy | $3,124 |
| Collision coverage, paid by your own policy | $5,777 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in New Hampshire
If you were partly at fault
New Hampshire uses modified comparative negligence. You can recover damages if your share of fault is not greater than the fault of the people you are suing, but your award is reduced by your percentage of fault. If your fault is greater than theirs, you recover nothing.
“Contributory fault shall not bar recovery...if such fault was not greater than the fault of the defendant.”
The other driver's policy limit is the ceiling
New Hampshire's minimum liability limits, when insurance or other security is required, are $25,000 per person and $50,000 per accident for injury or death, plus $25,000 for property damage.
“$25,000 because of bodily injury or death to any one person”
If the other driver has no insurance
If you do have a New Hampshire auto policy, it must include uninsured and hit and run motorist coverage matching your liability limits, unless it is a commercial policy covering only non-owned vehicles.
“no policy shall be issued...unless coverage is provided therein or supplemental thereto at least in amounts and limits prescribed for bodily injury or death”
The deadline that ends the claim
You have 3 years to sue over injuries from a car crash in New Hampshire.
“within 3 years of the act or omission complained of”
What a lawyer takes if you hire one
New Hampshire has no dollar or percentage cap on personal injury contingency fees. The fee has to be reasonable, and the contingent fee agreement must be in writing and signed by the client.
“A contingent fee agreement shall be in writing signed by the client and shall state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer in the event of settlement, trial or appeal”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.