How to File a Personal Injury Claim in New Hampshire

Step 1: Investigation and Evidence

A claim begins with building the facts. That means gathering the police report, medical records, photographs, witness statements, and — in serious cases — expert analysis such as crash reconstruction. In New Hampshire, a key early task is identifying every insurance policy that might apply, including the at-fault party's coverage and your own uninsured/underinsured motorist benefits.

Step 2: Medical Treatment and Documentation

Your claim's value depends heavily on the medical record. Following through on treatment, documenting symptoms, and obtaining clear diagnoses creates the foundation for recovering medical costs, future care, and pain and suffering. Settling before you understand the full extent of your injuries is a common and costly mistake.

Step 3: The Demand and Negotiation

Once your condition stabilizes, your attorney typically sends a demand to the insurer laying out liability, injuries, and damages. Negotiation follows. Most New Hampshire injury claims settle at this stage, but a credible willingness to file suit strengthens your position. Insurers offer more when they believe you are prepared to go to court.

Step 4: Filing Suit and Trial

If negotiation fails, the next step is filing a lawsuit before the three-year statute of limitations expires. Most New Hampshire injury cases that seek more than $25,000 are filed in superior court. Litigation involves discovery, depositions, and sometimes mediation. A relatively small share of cases reach trial, but the ones that do require thorough preparation and experienced advocacy.