Future Damages in New Hampshire
In New Hampshire, you are entitled to recover not just your current losses but also the present value of future medical expenses and lost earning capacity caused by your injuries. These future damages often represent the largest component of a serious injury claim.
For informational purposes only. Not legal advice. Consult a licensed attorney.
Modified comparative fault (51% bar)
Fault System
3 years
Filing Deadline
At-Fault
Auto System
Types of Future Damages in New Hampshire
Future Medical Expenses
Cost of ongoing treatment, surgeries, physical therapy, medications, home care, and medical equipment you will need because of your injuries.
Lost Future Earning Capacity
The present value of income you will lose if your injury permanently or partially prevents you from working at your pre-accident capacity.
Future Pain & Suffering
New Hampshire allows recovery of future non-economic damages under modified comparative fault (51% bar) — reduced by your share of fault.
Future Loss of Enjoyment
Compensation for activities, hobbies, and life experiences you will permanently lose due to your injuries.
New Hampshire Injury Law
New Hampshire is unique in that it does not require drivers to carry auto liability insurance — instead requiring proof of financial responsibility in other forms — and also does not mandate no-fault PIP coverage. This makes New Hampshire the only state without compulsory auto insurance. The state applies modified comparative fault with a 51% bar. The statute of limitations is 3 years. New Hampshire's "live free or die" ethos extends to its tort law, which imposes relatively few restrictions on personal injury claims. The state has no statutory cap on compensatory or punitive damages for most personal injury claims. New Hampshire's outdoor recreation and tourism industries generate ski injury, water sports, and hiking accident claims. New Hampshire courts apply the discovery rule for latent injuries. Workers' compensation provides exclusive remedy for workplace injuries under RSA Chapter 281-A. Medical malpractice cases do not have a separate pre-litigation screening requirement.