Auto Accident Attorney in New Hampshire
New Hampshire is a “comparative fault” state. In New Hampshire , every auto driver is financially liable for any accident in which they are deemed to be more than 50% at fault. Drivers are required under New Hampshire State Law to purchase Auto Accident Insurance Liability Insurance to offset this risk.
New Hampshire has the highest rate of road death fatalities in the United States. With Auto Insurance premiums at an all-time high and no end to the road chaos, there is plenty of work for the estimated 1,265 Auto Accident Attorneys in New Hampshire .
Minimum New Hampshire Car Insurance Cover
New Hampshire auto drivers are required by State Law to hold the following auto insurance cover as a minimum: Bodily Injury Liability: $30,000 per person and $60,000 per accident. Property Damage Liability: $25,000. Personal Injury Protection (PIP): $2,500.
These are the minimum amounts required under New Hampshire State Law and most auto insurance policy holders opt to increase their level of Auto Accident Insurance cover with the following optional New Hampshire insurance extras
- Liability Coverage
- Collision and Comprehensive Coverage
- Medical Payments and Personal Injury Protection (PIP) Coverage
- Uninsured/Under-insured Motorist Coverage
- Mexico Coverage
- Rental Reimbursement and Towing Coverage
- Negligence Law
Who Pays in a Car Accident in New Hampshire
New Hampshire is a “comparative fault” State. This means you are financially liable for any accident in which you are deemed to have caused by being more than 50% at fault. If the other party is deemed to be more than 50% at fault it is their insurance policy that must pay compensation.
Depending on your level of cover you can be sued personally if an award is made against you that’s above your auto insurance policy limits
Who does an Auto Accident Attorney in New Hampshire Sue?
New Hampshire is a highly litigious state with the worst accident injury rates in the whole of the United States. An auto accident attorney can be hired to sue:
- another party if you believe they have caused you injury
- your own insurance company to maximize a direct compensation payout
- an auto accident attorney in New Hampshire can also defend you against criminal charges
How many Auto Accidents in New Hampshire
Over 3,700 people are killed in auto accidents in New Hampshire each year, with an average year on year increase of 7.3% in motor vehicle traffic fatalities, according to the New Hampshire State Government
The fatality rate on New Hampshire roadways for 2018 was 1.44 deaths per hundred million vehicle miles traveled. Representing a 2.12% decrease from 2017.
254,415 persons were injured in motor vehicle accidents in New Hampshire last year. Pedestrian fatalities totaled 699 in 2018. This is a 8.11% year on year decrease.
Road Deaths in New Hampshire 2019
- 1 person is killed every 2 hours and 28 minutes
- 1 person is injured every 2 hours and 11 minutes
- 1 auto accident occurs every 42 seconds in New Hampshire
- 568 motorcyclists killed in 2017. 52% were not wearing helmets
- New Hampshire saw 565 people killed in head-on collisions in 2018.
- There were no deathless days in New Hampshire roads last year.
- July was the deadliest month with 388 persons killed in Auto Accidents in New Hampshire
What do you do after a car accident in New Hampshire ?
Experiencing an auto accident is a stressful time. Thoughts become irrational as the adrenaline kicks in, helping accident victims deal with these hugely stressful incidents. These are the 8 things to do immediately following an auto accident in New Hampshire .
- Check for injuries and stay calm
- Dial 911 for the emergency services
- Do not leave the scene of the accident
- Follow police instructions but do not admit guilt or answer questions
- Gather information, shoot video and take photos
- Call your insurance company
- Follow medical instruction
- Contact an auto accident attorney in New Hampshire
Is New Hampshire a Litigious State for Auto Accidents
Court Cases involving an Auto Accident Attorney in New Hampshire made up the largest share of the New Hampshire Court system costs, according to the State Government.
There are over 1,200 Auto Accident Attorneys in New Hampshire with specializations including
- Small vehicle accident attorney
- Truck Accident Attorney in New Hampshire
- New Hampshire Auto Accident Attorney Generalist
- New Hampshire Insurance Auto Accident Attorney
- Personal Injury Attorney in New Hampshire
- Commercial Vehicle Auto Accident Attorney in New Hampshire
- Uber Auto Attorney in New Hampshire
- Lyft Auto Accident Attorney in New Hampshire
New Hampshire Statute of Limitations in Auto Accidents
The statute of limitations for a car accident in New Hampshire is two years from the date of the car accident (Sec. 16.003). The New Hampshire two-year statute of limitations applies to all claims made by drivers, passengers, pedestrians, truck drivers and motorcyclists. The clock starts ticking on the day of the accident and not the day you consult an auto accident attorney in New Hampshire .
How long does an insurance company have to settle a claim in New Hampshire ?
- Your insurance company must acknowledge your claim within 15 working days
- Within this 15 day they should request any further information from you
- Insurance companies in New Hampshire may extend this 15 days by a further 45 days and inform you of their reason
- Generally, if an insurance company extends the 15-day time frame clients will consult an auto accident attorney in New Hampshire .
- There is no time frame for your insurance company to settle the claim. On average it takes between 3 and six months.
- Once approved, your claim must be paid within 5 days
- If the claim involves a weather event or natural disaster a New Hampshire insurance company may take 45 additional days to approve or deny your claim and 15 additional days to pay your claim.
- An auto accident Attorney in New Hampshire may help speed up your compensation payout, or may delay proceedings to maximize your payout.
How much car insurance do I need in New Hampshire ?
- Bodily Injury Liability: $30,000 per person
- $60,000 per accident
- Property Damage Liability: $25,000
- Personal Injury Protection (PIP): $2,500.
These are not high minimums. In a more severe auto wreck accident, the New Hampshire Statutory minimum insurance levels may prove to be inadequate.
If you are judged to be more than 50% at fault in a New Hampshire car accident the other side may hire an attorney to personally sue you for any difference between their financial compensation award and the insurance policy limits.
Is New Hampshire a no-fault state
New Hampshire is not a no-fault state. Some states in the USA require a no-fault insurance policy, often known in New Hampshire as PIP. Every driver in New Hampshire is required to hold auto insurance to cover expenses for the other driver in the event of an accident.
Insurance Payout Limits in New Hampshire for Personal Injury
New Hampshire uses 50 percent modified comparative negligence laws, so the court decides how much each party in an accident is at fault. You can claim damages from the other party if your level of fault does not exceed theirs.
However, your damages will be also be reduced according to your apportioned level of fault.
New Hampshire Auto Attorney Insurance Claims Rights
According to the New Hampshire Bill of Consumer Rights (Order No. 12-0862), you have the right to be treated fairly, honesty and with respect when you make a claim. If you believe you are being treated unfairly by your insurance company, make a complaint to the TDI in New Hampshire and consult an auto accident attorney in New Hampshire with immediate effect.
Over 72% of Auto Accident Attorneys in New Hampshire are hired to fight an individual’s own insurance company for a better deal.
New Hampshire State Auto Accident Demographics
New Hampshire (/ˈhæmpʃər/) is a state in the New England region of the northeastern United States. It is bordered by Massachusetts to the south, Vermont to the west, Maine and the Atlantic Ocean to the east, and the Canadian province of Quebec to the north. New Hampshire is the 5th smallest by area and the 10th least populous U.S. state.
Concord is the state capital, while Manchester is the largest city. It has no general sales tax, nor income tax other than on interest and dividends. The New Hampshire primary is the first primary in the U.S. presidential election cycle. Its license plates carry the state motto, “Live Free or Die”. The state’s nickname, “The Granite State”, refers to its extensive granite formations and quarries.
In January 1776, it became the first of the British North American colonies to establish a government independent of the Kingdom of Great Britain’s authority, and it was the first to establish its own state constitution. Six months later, it became one of the original 13 colonies that signed the United States Declaration of Independence, and in June 1788 it was the ninth state to ratify the United States Constitution, bringing that document into effect.
Historically, New Hampshire was a major center for textile manufacturing, shoemaking, and papermaking, with Amoskeag Manufacturing Company in Manchester at one time being the largest cotton textile plant in the world. Numerous mills were located along various rivers in the state, especially the Merrimack and Connecticut rivers. Many French Canadians migrated to New Hampshire to work the mills in the late 19th and early 20th century; New Hampshire still ranks second among states by percentage of people claiming French American ancestry, with 24.5% of the state identifying as such.
Manufacturing centers such as Manchester, Nashua, and Berlin were hit hard in the 1930s–1940s, as major manufacturing industries left New England and moved to the southern United States or overseas, reflecting nationwide trends. In the 1950s and 1960s, defense contractors moved into many of the former mills, such as Sanders Associates in Nashua, and the population of southern New Hampshire surged beginning in the 1980s as major highways connected the region to Greater Boston and established several bedroom communities in the state.
With some of the largest ski mountains on the East Coast, New Hampshire’s major recreational attractions include skiing, snowmobiling, and other winter sports, hiking and mountaineering (Mount Monadnock in the state’s southwestern corner is among the most climbed mountains in the U.S.), observing the fall foliage, summer cottages along many lakes and the seacoast, motor sports at the New Hampshire Motor Speedway, and Motorcycle Week, a popular motorcycle rally held in Weirs Beach in Laconia in June. The White Mountain National Forest links the Vermont and Maine portions of the Appalachian Trail, and has the Mount Washington Auto Road, where visitors may drive to the top of 6,288-foot (1,917 m) Mount Washington.
Among prominent individuals from New Hampshire are founding father Nicholas Gilman, Senator Daniel Webster, Revolutionary War hero John Stark, editor Horace Greeley, founder of the Christian Science religion Mary Baker Eddy, poet Robert Frost, astronaut Alan Shepard, rock musician Ronnie James Dio, author Dan Brown, actor Adam Sandler, inventor Dean Kamen, comedians Sarah Silverman and Seth Meyers, restaurateurs Richard and Maurice McDonald, and President of the United States Franklin Pierce.
Can someone sue you for a car accident if you have insurance in New Hampshire ?
If your insurance policy does not cover the amount awarded to the other party you may find yourself in a lawsuit regardless of whether you held car insurance. For this reason many auto accident attorneys advocate the purchase of premium cover and under-insurance ‘gap’ policies.
Do I call my insurance if it’s not my fault?
You must report any damage to your vehicle or personal injuries to yourself or others to your insurance provider immediately. Your insurance company will help file a claim against the other party and start the process of compensation.
Also contact an auto accident attorney in New Hampshire for a Free Consultation and Claim Evaluation
How long do you have to file an accident report in New Hampshire ?
You must file an accident report with the New Hampshire Department of Transport within 10 days of the auto accident. The report should be on form CR-2 available here and can be filed by you, your insurance company or your auto accident attorney in New Hampshire
Do I need an Auto Accident Attorney in New Hampshire ?
An Auto Accident Attorney is not required for every case. For example, cases with minor injuries, soft tissue damage or ‘fender benders’ may not require a specialist auto accident attorney in New Hampshire . In more severe personal injury cases you need an expert specialist attorney to protect your interests, regardless of whether you have one appointed for you by your insurance company.
Average Auto Accident Payout in New Hampshire
The average car accident compensation settlement in New Hampshire is $22,887 in 2018, according to the New Hampshire bureau of Statistics. The average auto accident payout by using an auto accident attorney in New Hampshire was $44,887.
Hit by a Drunk Driver in New Hampshire
In the United States 32 people die every day from vehicle accidents that involve a drunk driver. A drunk driver could face criminal charges from the state of New Hampshire and civil charges from the injured parties.
Convictions for criminal charges can result in fines, jail, rehab and community service. A civil Court case could force the drunk driver to financially compensate victims.
If you’ve been hit by a drunk driver in the State of New Hampshire check out our list of Auto Accident Attorneys in your area who are experts at DUI auto accidents.
New Hampshire is a pure negligence state and you are free to lodge a lawsuit against a drunk driver who caused you or a loved one personal injury.
Filing a civil lawsuit in New Hampshire against a drunk driver will require that you prove them responsible for your injuries. An experienced auto accident attorney in New Hampshire will need to demonstrate beyond reasonable doubt that:
- The other driver owed you a duty of safe travel as you shared the road.
- The driver breached his or her duty by an act of negligence (e.g. drunk driving).
- The driver’s negligent act caused injury to you in the form of a car accident
- The injuries caused you to suffer specific, quantifiable damages.
Take our online Compensation Checker to find out from an auto accident attorney in New Hampshire how much compensation you could expect if you’ve been injured by a drunk driver.
What Damages can I claim for after a New Hampshire Car Accident?
- Medical Costs
- Lost Wages
- Pain & Suffering
- Diminished Earning Capacity
- Non-economic Damages
How do I calculate Pain and Suffering in New Hampshire
New Hampshire uses a multiplier to work out the amount of compensation to be paid as a result of pain and suffering. For example, if your case is worth $40,000 in specific damages, but your pain and suffering has a multiplier of five for temporary brain damage, the total amount payable will be $200,000 in non-economic damages.
Will an Auto Accident Attorney in New Hampshire increase my Pain and Suffering Payout
An experienced auto accident attorney in New Hampshire will be instrumental in pushing up both specific damages and the pain & suffering multiplier. As can be seen in the example, both elements are key to securing the financial compensation package you deserve.
Average Whiplash Settlement in New Hampshire
New Hampshire does not have whiplash settlement guidelines though mild to moderate whiplash claims can result in a compensation payout from $2,500 to $10,000 worth of compensation. For severe whiplash claims in New Hampshire , expect this figure to rise over the $22,000 level.
Can I Sue Uber or Lyft in New Hampshire
If you’ve sustained injuries in an Uber, Lyft or other ride-sharing accident you may be entitled to financial compensation from the “at-fault” driver and their insurance company.
If your accident involved an Uber, Lyft or ride share driver who was “on-the-clock” when the accident occurred, you likely won’t make a claim on the driver’s own insurance policy. Instead, the insurance policies of the ride share companies should cover your personal injuries and damages.
Take the following steps if you’ve been involved in an accident with an Uber, Lyft or Ride share Driver either as a passenger or other road user.
- Report your Accident Immediately to Police and Uber. File an insurance claim directly with Uber.
- Seek Medical Attention. Some injuries can take days or weeks to become fully apparent and a proper diagnosis will help to strengthen your compensation case.
- Speak to an auto accident Attorney in New Hampshire for a free consultation
Where do most Auto Accidents happen in New Hampshire
According to the New Hampshire Department of Transport most recorded car incidents requiring the use of an auto accident attorney in New Hampshire happen in the following places:
(List of all areas in New Hampshire with more than 40,000 people)
Get an Auto Accident Lawyer in New Hampshire because the State Legal System is Complex
The New Hampshire legal system is complex and navigating New Hampshire personal injury law is not something which can be mastered while focusing on your own rest, recovery and rehabilitation. Using an auto accident Attorney in New Hampshire should help reduce stress and maximize your financial compensation payout.