New Hampshire Personal Injury Settlement Calculator

What Is the New Hampshire Personal Injury Settlement Calculator?

The New Hampshire Personal Injury Settlement Calculator is a free online tool designed to give injury victims a ballpark estimate of what their personal injury claim might be worth based on:

• Your medical bills
• Lost wages
• Property damage
• Pain and suffering
• Percentage of fault
• Attorney fees and case costs

It’s built to reflect New Hampshire’s specific legal rules, especially its modified comparative fault rule, which bars recovery if you’re more than 50% at fault.

Why You Need a Calculator Like This

Navigating a personal injury claim is messy. Numbers fly around, and insurance companies rarely offer full value without pressure. This calculator helps you:

• Set expectations
• Know your rights
• Avoid lowball offers
• Prepare for negotiations

And no—you don’t need to be a lawyer to use it.

How the Calculator Works: Inputs That Matter Most

The calculator uses simple math based on the following key inputs:

1. Medical Expenses (Past & Future)

Enter your total medical bills. Include hospital stays, surgery, physical therapy, medications, etc.

2. Lost Wages

If you’ve missed work (or will miss work), estimate how much income you’ve lost or will lose.

3. Property Damage

Think vehicle repairs, electronics, or other personal items damaged in the incident.

4. Injury Severity

This multiplies your medical and wage losses to estimate non-economic damages (pain and suffering).

5. Percentage of Fault

Under NH’s modified comparative fault rule, if you’re:

• 0–50% at fault: you can recover, but your settlement is reduced.
• 51% or more: you recover nothing.

6. Policy Limits

If the at-fault party’s insurance maxes out at $100,000, that’s the most you’ll recover—even if your damages exceed it.

7. Attorney Fee Percentage

Most injury lawyers work on contingency:

• 33.3% pre-litigation
• 40% post-litigation
• 0% if you handle it yourself

8. Case Costs & Medical Liens

Include things like court filing fees, expert witnesses, or unpaid medical bills that must be repaid from your settlement.

Behind the Scenes: How It Calculates Your Estimated Settlement

Here’s plain-English breakdown of the math:

1. Economic Damages
   → Medical bills + Lost wages + Property damage
2. Non-Economic Damages
   → (Medical + Wages) × Injury Severity Multiplier
3. Total Estimated Value
   → Economic + Non-Economic Damages
4. Fault Deduction
   → Settlement is reduced by your % of fault
5. Insurance Cap (if applicable)
   → Final amount cannot exceed policy limit
6. Attorney Fees + Case Costs
   → Subtracted from final amount to calculate your Net Recovery

Example Scenario

Let’s say:

• You have $15,000 in medical bills
• $5,000 in lost wages
• $8,000 in property damage
• Moderate injury (3.0× multiplier)
• You’re 10% at fault
• No policy limit
• You have an attorney charging 33.3%
• $2,500 in case costs

Result:

• Economic damages: $28,000
• Non-economic: ($15,000 + $5,000) × 3.0 = $60,000
• Total: $88,000
• Minus 10% fault: $79,200
• Minus fees and costs: ~$23,000
• Net Recovery: ~$56,000

Important: Know the 51% Rule

New Hampshire uses the modified comparative fault system. This means:

If you’re 51% or more at fault, you get nothing. Zero. Nada.

The calculator enforces this rule. If you enter a fault percentage over 50%, it will show an error and a net recovery of $0.

Disclaimer

The calculator is for informational use only. It’s not legal advice. Every case is unique, and real-world factors like negotiations, jury bias, and local court trends matter. Always consult a qualified New Hampshire personal injury attorney to evaluate your situation accurately.