New Hampshire Personal Injury Laws
New Hampshire follows a modified comparative fault system with a 51% bar, meaning you can recover damages as long as your fault is not greater than the defendant's. The general statute of limitations for personal injury is 3 years. New Hampshire is one of only two states that does not require drivers to carry auto insurance, though it operates as a traditional tort (at-fault) state. Notably, New Hampshire prohibits punitive damages by statute, though courts may award enhanced compensatory damages for wanton or malicious conduct.
Last verified: 2026-02-25
Statute of Limitations
Personal injury claims must be filed within 3 years of the act or omission that caused the injury.
Exceptions
When an injury and its causal relationship to the act or omission were not discovered and could not reasonably have been discovered at the time, the 3-year period runs from the date of discovery or when it should have been discovered.
The statute of limitations is tolled for minors. Once the minor turns 18, the standard 3-year period begins to run, giving them until age 21 to file.
Wrongful death actions may be brought at any time within 6 years after the death of the deceased, subject to the provisions of RSA 508. Damages for loss of consortium are capped at $500,000 for a surviving spouse and $300,000 per claimant for parent-child relationships (effective January 1, 2025).
Fault & Liability Rules
You can recover damages as long as your fault is not greater than the fault of the defendant (or the defendants in the aggregate). Your recovery is reduced by your percentage of fault. If you are 51% or more at fault, you recover nothing.
Damage Caps
New Hampshire does not impose a statutory cap on compensatory damages in personal injury cases.
New Hampshire prohibits punitive damages by statute: "No punitive damages shall be awarded in any action, unless otherwise provided by statute." However, courts may award enhanced compensatory damages for wanton, malicious, or oppressive conduct.
Damages for a surviving spouse's loss of comfort, society, and companionship are capped at $500,000 (increased from $150,000 effective January 1, 2025).
Damages for a minor child losing a parent, or a parent losing a minor child, are capped at $300,000 per individual claimant (increased from $50,000 effective January 1, 2025).
Auto Insurance System
New Hampshire is one of only two states that does not require drivers to carry auto insurance. It operates under a traditional tort (at-fault) system where the driver who caused the accident is responsible for damages. If you choose to purchase insurance, minimums are $25,000/$50,000 bodily injury and $25,000 property damage.
Key New Hampshire Statutes
Defendants 50% or more at fault are jointly and severally liable. Defendants less than 50% at fault are severally liable only for their proportionate share of damages. Parties acting in a common plan or design remain jointly and severally liable regardless.
The administrator of an estate may bring a wrongful death action. Recoverable damages include pain and suffering of the deceased, medical expenses, lost earning capacity, and loss of consortium (subject to caps).
Official Sources
Not Legal Advice
This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at New Hampshire Revised Statutes Online. For advice about your specific situation, consult a licensed attorney.
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