New Hampshire Car Accident Settlement Calculator

What Is the New Hampshire Car Accident Settlement Calculator?

It’s a free tool that lets you estimate how much money you might receive after a car accident in New Hampshire. It uses state-specific rules, your injury details, and financial losses to give you a settlement range.

Think of it like a reality check. Instead of guessing or hoping, you can see what your claim might be worth — before talking to an attorney or insurance company.

What Factors Does the Calculator Use?

This isn’t just a basic tool that adds up your bills. It actually mimics the same logic used by insurers and injury attorneys. Here’s what it asks for:

Economic Damages

• Medical Bills (past + expected future)
• Lost Wages (from missed work)
• Vehicle Value (pre-accident)
• Severity of Property Damage

Non-Economic Damages

• Pain and suffering, estimated using a multiplier based on injury severity:
  • Minor (1.5×)
  • Moderate (2.5×)
  • Significant (3.5×)
  • Severe (5.0×)

The calculator then adjusts this based on real-world factors like:

• Whether a DUI was involved
• If there were independent witnesses
• If you had a lawyer
• How long your recovery took
• If it involved a commercial vehicle

Your Fault Percentage

New Hampshire uses a “Modified Comparative Negligence” rule. That means:

• If you’re 51% or more at fault, you get nothing.
• If you’re 0–50% at fault, your settlement is reduced by that percentage.

The calculator adjusts everything accordingly. So if you’re 30% at fault, you’ll only see 70% of your eligible payout.

What the Calculator Actually Outputs

Once you fill in the form, you’ll get:

• A settlement range estimate (low–high)
• A breakdown of:
  • Economic damages
  • Non-economic damages
  • Property damage
• A total before fault reduction
• A total after applying fault
• A reminder of insurance policy limits (the max you can legally collect)

Here’s a sample output:

Estimated Settlement Range: $28,000 - $33,000
- Economic Damages: $8,000
- Pain & Suffering: $15,000
- Vehicle Damage: $10,000
- Fault Reduction: -$5,000 (15%)
Final Estimated Payout: $28,000

Why Use This Calculator?

Here’s why this tool matters:

1. You Get a Realistic Baseline

Insurance companies don’t just hand out money. They use algorithms and formulas. This calculator mirrors that logic — so you’re not walking in blind.

2. Saves You Time

Instead of guessing or calling five different law offices for ballpark figures, you get an estimate right away.

3. Keeps You Informed

Understanding your claim’s value helps you avoid lowball offers from insurers and scare tactics from adjusters.

4. Makes Legal Conversations Easier

If you decide to hire a lawyer, you’ll walk in knowing your numbers — which puts you in control.

A Note About Policy Limits

New Hampshire’s minimum insurance coverage is typically $25,000 for injuries and $25,000 for property damage.

No matter how serious your case is, your payout is capped by what the at-fault driver’s policy covers — unless you sue and win more in court.

The calculator includes this. It won’t show numbers beyond what’s realistically available.

What If You’re Partially at Fault?

This is where New Hampshire’s “51% bar rule” comes into play.

• If the calculator shows you’re 51% or more at fault, it’ll tell you outright: you’re not eligible to recover compensation.
• If you’re under 51%, it subtracts your share of fault from the total.

For example:

You’re 30% at fault → your $20,000 claim becomes $14,000

That’s how insurance companies — and courts — work. The calculator reflects this exactly.

Pro Tip:

Use it twice — once with just the basics, then again with all additional factors checked to see how much things like DUI or legal representation might shift your settlement range.

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