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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

3 yearsRSA 508:4

Personal injury claims must be filed within 3 years of the act or omission that caused the injury.

Exceptions

Discovery Rule3 years from discoveryRSA 508:4, I

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.

MinorsTolled until age 18, then 3 yearsRSA 508:8

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 Death6 years from date of death (subject to RSA 508)RSA 556:11

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

Modified Comparative Fault (51% Bar)RSA 507:7-d

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

Compensatory Damages: No cap

New Hampshire does not impose a statutory cap on compensatory damages in personal injury cases.

Punitive Damages: Not allowedRSA 507:16

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.

Wrongful Death — Spousal Loss of Consortium: $500,000RSA 556:12, II

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).

Wrongful Death — Familial Loss of Consortium: $300,000 per claimantRSA 556:12, III

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

Tort (At-Fault) — No Mandatory InsuranceRSA 264

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

Joint and Several Liability / ApportionmentRSA 507:7-e

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.

Wrongful Death DamagesRSA 556:12

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 page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in New Hampshire.

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