Navigating Life After a Motor Vehicle Accident in New Hampshire

The moments following a motor vehicle accident in New Hampshire can be chaotic, frightening, and life-altering. One moment, you’re driving along I-93 near Manchester enjoying the scenic New England landscape, or perhaps navigating the bustling streets of Nashua or Concord, and the next, your life is irrevocably changed. Injuries mount, medical bills spiral, and the daunting prospect of dealing with insurance companies can feel overwhelming.

We understand the fear, confusion, and frustration you’re experiencing. Here at Attorney911, a trade name of The Manginello Law Firm, PLLC, we know that an accident in New Hampshire isn’t just a legal case – it’s a personal crisis. Our mission is to provide an immediate legal emergency response, guiding you through the complexities of New Hampshire’s legal system so you can focus on what truly matters: your recovery. With our 25+ years of experience, led by Ralph Manginello, we are dedicated to securing maximum compensation for victims across the state, from the seacoast to the White Mountains.

Your Immediate 48-Hour Protocol After a Motor Vehicle Accident in New Hampshire

When an accident strikes in New Hampshire, every second counts. The decisions you make in the first 48 hours can profoundly impact the outcome of your case. Evidence can disappear, witness memories fade, and the insurance companies will immediately begin building a case against you. We urge you to follow this critical protocol to protect your rights and your future.

Hour 1-6: Immediate Crisis Response

The moments immediately after a crash in New Hampshire are critical. Your safety and the preservation of crucial evidence are paramount.

• Safety First: If you are able, move yourself and your vehicle to a safe location away from oncoming traffic, whether it’s the shoulder of I-95 or a side street in Keene.
• Call 911: Report the accident immediately. Even if it seems minor, a police report is vital. Request medical assistance if anyone is injured. The local police departments, whether in Portsmouth, Laconia, or Salem, will respond to document the scene.
• Seek Medical Attention: Adrenaline can mask pain. Many serious injuries, such as traumatic brain injuries or whiplash, may not be immediately apparent. Get to the nearest emergency room, whether that’s Dartmouth-Hitchcock Medical Center in Lebanon, Catholic Medical Center in Manchester, or Portsmouth Regional Hospital. Early medical documentation is crucial to connect your injuries directly to the accident.
• Document Everything: Your smartphone is your most powerful tool.
  • Take photos of ALL vehicle damage from every angle, including close-ups and wide shots.
  • Photograph the accident scene itself: road conditions, traffic signals, debris, skid marks, and anything unusual.
  • Take clear photos of any visible injuries you or your passengers sustain.
  • Capture images of the other vehicle(s) involved—license plates, VIN numbers, and visible damage.
• Exchange Information: Politely gather the other driver’s name, phone number, address, insurance company, policy number, and driver’s license number. Do NOT admit fault or apologize, even if you feel inclined to. Stick to factual information only.
• Identify Witnesses: If anyone saw the accident, get their names and phone numbers immediately. Ask if they saw what happened and if they would be willing to provide a statement. Witness testimonies are invaluable.
• Call Attorney911: Before you talk to anyone else, call our legal emergency hotline at 1-888-ATTY-911 for immediate guidance. We can advise you on what to say and, more importantly, what not to say, preventing insurance companies from using your words against you.

Hour 6-24: Securing Your Digital and Physical Evidence

Once the immediate aftermath subsides, a second wave of critical actions must be taken to preserve your case.

• Preserve Digital Records: Do NOT delete any texts, calls, photos, or videos related to the accident. Screenshot any messages (especially from the other driver or witnesses) and email copies to yourself for backup.
• Secure Physical Evidence: Keep any damaged clothing, glasses, or personal items involved in the crash. Do NOT repair your vehicle yet, as the damage itself is important evidence. Keep all receipts for towing, rental car, and initial medical expenses.
• Collect Medical Records: Request copies of all emergency room reports and discharge paperwork. Schedule a follow-up appointment with your primary care physician or a specialist within 24-48 hours. Gaps in medical treatment can be used by insurance companies to minimize your claim.
• Limit Insurance Communications: You are not required to give a recorded statement to the other driver’s insurance company. If they call, tell them, “I need to speak with my attorney first.” Do NOT sign any documents or accept any settlement offers, no matter how tempting. Early offers are almost always lowball attempts.
• Protect Your Online Presence: Immediately set all your social media profiles to private. Do NOT post about the accident, your injuries, or activities. Insurance companies actively monitor social media for anything they can twist to undermine your case. Tell friends and family not to tag you in posts or discuss the accident online.

Hour 24-48: Strategic Legal and Medical Decisions

The first two days are about setting the foundation for your injury claim. These strategic decisions can make all the difference.

• Legal Consultation: Take advantage of a free consultation with an experienced motor vehicle accident attorney. Have all your collected documentation ready. Calling 1-888-ATTY-911 within this timeframe ensures our team can act swiftly to preserve evidence.
• Insurance Referral: Once you retain Attorney911, all communications from insurance companies will be directed to us. You can focus on your recovery without the stress of constant calls and demands.
• Reject Early Settlement Offers: Never accept an offer without consulting your attorney. You don’t yet know the full extent of your injuries or future medical needs. A quick settlement is almost always an unfair one.
• Back Up Everything: Upload all screenshots, photos, and videos to a cloud storage service and email copies to a trusted family member. Create a written timeline of events while your memory is still fresh.

Week One Priorities: Consistent Treatment and Comprehensive Investigation

Your recovery and legal strategy extend beyond the initial 48 hours.

• Consistent Medical Follow-Up: Attend all doctor’s appointments, physical therapy, and specialist visits. Follow all medical recommendations. Insurance companies look for gaps in treatment to argue your injuries aren’t severe.
• Attorney-Led Investigation: Once retained, our team at Attorney911 immediately begins a comprehensive investigation. We order official police reports, interview witnesses before their memories fade, and secure surveillance footage from businesses near the accident scene, crucial for accidents across New Hampshire’s cities like Concord or Nashua.
• Evidence Preservation Letters: We send preservation letters to all relevant parties—other drivers’ insurance, trucking companies, businesses, and employers—legally requiring them to hold onto critical evidence such as black box data, ELD records, and surveillance footage before it’s erased. This proactive approach is a cornerstone of our strategy for clients in New Hampshire.

Our commitment to acting fast, combined with our deep understanding of New Hampshire personal injury law, ensures that we’re always one step ahead of the insurance companies. Call 1-888-ATTY-911 the moment you’re able.

Evidence Deterioration Timeline: Why Every Second Counts in New Hampshire

The ticking clock isn’t just a metaphor; it’s a harsh reality that insurance companies exploit. Evidence critical to your case in New Hampshire disappears at predictable rates. Delaying legal action gives the at-fault party and their insurers an insurmountable advantage.

• Day 1-7: Witness memories are at their peak immediately after an accident. As each day passes, details blur, and witnesses become harder to locate. Physical evidence like skid marks on Route 101 or debris on a busy intersection in Manchester can be washed away by rain, cleared by road crews, or obscured by traffic.
• Day 7-30: Surveillance footage is deleted. This is perhaps the most critical window. Gas stations, retail stores, traffic cameras, and even Ring doorbells typically erase footage after 7-30 days. Once it’s gone, it’s gone forever. For cases in Nashua, Concord, or any New Hampshire city, this footage can be the definitive proof of fault.
• Month 1-2: Insurance companies solidify their defense position. Adjusters complete their initial investigations and build a file against you. Any delay on your part makes it harder to counter their narrative, and their settlement position hardens. If your vehicle damage is not documented and preserved, repairs can erase valuable physical evidence.
• Month 2-6: For trucking accidents in New Hampshire, crucial electronic data is at risk. ELD (Electronic Logging Device) data, black box data, and GPS telematics can be overwritten or become inaccessible within 30-180 days. Cell phone records, which can prove distracted driving, also become harder to obtain as time passes. Social media posts from those involved may be deleted or accounts deactivated.
• Month 6-12: Witness memories degrade significantly, and some may have moved away. Medical evidence linking your injuries directly to the accident can be weakened if there are gaps in your treatment. Insurance companies actively look for these gaps to minimize your claim. Moreover, mounting medical bills and lost income can create financial desperation, making you vulnerable to lowball settlement offers.
• Month 12-24: You are rapidly approaching New Hampshire’s statute of limitations – 2 years from the date of the accident for most personal injury claims. Insurance companies are well aware of this deadline and may use it to pressure you into accepting an unfair settlement, knowing that time is running out to file a lawsuit. Evidence is severely degraded, and the value of your case diminishes with every passing week.

At Attorney911, we send preservation letters to all parties involved within 24 hours of retention. These letters legally require them to hold onto critical evidence before it can be lost or destroyed. Our swift action helps secure vital information that can make or break your case. Don’t let valuable evidence disappear. Call us immediately at 1-888-ATTY-911.

Understanding Motor Vehicle Accidents in New Hampshire

Across the Granite State, motor vehicle accidents cast a long shadow, disrupting lives and causing immense suffering. From serious car crashes on crowded highways to devastating 18-wheeler collisions on major transport routes like I-93, we witness firsthand the severe impact these incidents have on New Hampshire residents. At Attorney911, we have dedicated our practice to representing injured individuals and families throughout New Hampshire. We understand the local nuances—from the courtrooms in Manchester and Concord to the enforcement policies of local police departments in Portsmouth and Nashua—and we bring 25+ years of aggressive litigation experience to fight for the compensation you deserve.

Car Accidents in New Hampshire: The Lingering Threat

Car accidents remain the most prevalent cause of injury and death on New Hampshire’s roads. While specific statewide statistics for New Hampshire in 2024 mirror broader national trends of significant numbers of accidents and injuries, the reality is stark: each collision represents a life irrevocably altered. From fender-benders on Main Street in Keene to high-speed rear-end collisions on I-89, car accidents are a constant threat.

The Reality of Car Accidents in New Hampshire:
New Hampshire, with its diverse geography and population centers, sees a variety of car accident scenarios. In more urban areas like Manchester, Nashua, and Concord, distracted driving, failure to yield in intersections, and aggressive driving during rush hour are common culprits. Along rural routes, speeding on winding roads and animal-related collisions contribute to the accident rates. Weather conditions, particularly during New Hampshire’s harsh winters, also play a significant role, leading to black ice incidents and reduced visibility crashes.

Common Injuries from Car Accidents:
The force of a vehicle collision can result in a wide range of injuries, from minor to catastrophic. We regularly see clients suffer from whiplash and other soft tissue injuries, herniated and bulging discs in the spine, broken bones and fractures, traumatic brain injuries (TBIs), and even spinal cord injuries. The long-term effects of these injuries can extend to chronic pain, lost earning capacity, and profound emotional distress, including PTSD.

Liability and Who’s Responsible:
New Hampshire operates under a modified comparative negligence rule, similar to Texas’s 51% bar rule. This means that if you are found to be 51% or more at fault for an accident, you cannot recover any damages. If you are 50% or less at fault, your compensation will be reduced by your percentage of fault. Insurance companies will always try to shift blame to minimize their payout. Our associate attorney, Lupe Peña, spent years working for large insurance defense firms. He knows their tactics and uses that insider knowledge to protect our clients from unfair fault assignments and maximize their compensation.

Why Attorney911 for Car Accidents:
Our experience in car accident litigation is deep and proven. We handle everything from minor collisions with lingering soft tissue pain to catastrophic crashes with life-altering injuries. In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions, a testament to our relentless pursuit of justice for victims facing severe consequences. We understand that even a seemingly minor crash can lead to significant medical costs and ongoing suffering.

As MONGO SLADE, one of our clients, shared: “I was rear-ended and the team got right to work…I also got a very nice settlement.” We fight for every dime you deserve, just as we did for Kiimarii Yup, who stated: “I lost everything… my car was at a total loss and because of Attorney Manginello and my case worker Leonor… 1 year later I have gained so much in return plus a brand new truck.” We are always ready to take on the insurance companies and secure fair settlements for our clients in New Hampshire.

If you or a loved one has been injured in a car accident in Manchester, Nashua, Concord, or anywhere else in New Hampshire, do not hesitate. Call 1-888-ATTY-911 for a free, no-obligation consultation. We don’t get paid unless we win your case.

18-Wheeler & Trucking Accidents in New Hampshire: Catastrophe on the Interstate

On major New Hampshire roadways like I-93, I-89, or Route 101, the sheer size and weight of an 18-wheeler create an inherently dangerous situation when they collide with passenger vehicles. An average passenger car weighs around 4,000 pounds, while a fully loaded commercial truck can weigh up to 80,000 pounds – a staggering 20 times more. This immense disparity often leads to catastrophic injuries and wrongful death in New Hampshire truck accidents.

The Reality of Trucking Accidents in New Hampshire:
Trucking accidents in New Hampshire are often concentrated on major interstate corridors and routes connecting to industrial areas or distribution centers. These include I-93, which spans the length of the state, I-89 connecting Concord to Vermont, and Route 101 towards the seacoast. Driver fatigue, distracted driving, improper loading, and speeding are common factors. Furthermore, New Hampshire’s challenging terrain and winter weather can exacerbate the risks, leading to tractor-trailer jackknifes or loss of control incidents.

Specific Issues in Trucking Accidents:
These cases are unique due to the federal regulations governing the trucking industry, primarily enforced by the Federal Motor Carrier Safety Administration (FMCSA). Violations of these rules, such as Hours of Service (HOS) mandates, can establish negligence on the part of the driver or the trucking company. HOS rules dictate when and how long drivers can operate, for example, limiting them to 11 hours of driving after 10 hours off-duty and requiring a 30-minute break after 8 hours of driving. Many trucking companies, like those operating out of shipping hubs near Nashua or Portsmouth, pressure drivers to violate these rules, leading to fatigue-related crashes.

Multiple Liable Parties:
Unlike a typical car accident, trucking cases often involve multiple liable parties beyond just the driver. This can include:

• The truck driver (for negligent operation)
• The trucking company (for negligent hiring, training, supervision, or maintenance)
• The cargo loader (for improper loading)
• The truck manufacturer (for vehicle defects)
• The maintenance company (for faulty repairs)

More liable parties usually mean more insurance policies, which can potentially lead to higher recovery for victims in New Hampshire.

Why Attorney911 for Trucking Accidents:
Our firm has extensive experience handling complex trucking accident cases that often involve federal jurisdiction. Ralph Manginello is admitted to federal court in the U.S. District Court, an essential credential given that many FMCSA-regulated cases are heard there. Our firm was also one of the few involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations and complex, multi-party litigation.

At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation. We understand the nuances of FMCSA regulations and how to uncover evidence of negligence that other firms might miss. Our commitment to thorough investigation, including securing Electronic Logging Device (ELD) data (which can be overwritten in 30-180 days), driver logs, and maintenance records, is critical. We know that insurance companies fear “nuclear verdicts”—those exceeding $10 million—and our trial readiness helps leverage higher settlements. For example, recent cases include a $37.5 million verdict against Oncor Electric (distracted truck driver) and a $44.1 million verdict in an I-35 pileup. These examples demonstrate the severe financial consequences that trucking companies can face for negligence.

If you or a loved one has suffered injuries in an 18-wheeler accident in New Hampshire, facing a powerful trucking company and their insurers can feel impossible. Call 1-888-ATTY-911 immediately. We are ready to fight for you.

Drunk Driving Accidents in New Hampshire: A Preventable Tragedy

Drunk driving remains an unconscionable act that causes preventable devastation on New Hampshire’s roads. Despite years of public awareness campaigns and strict penalties, impaired drivers continue to cause crashes, severe injuries, and wrongful deaths across the state, from picturesque small towns to major roadways throughout Manchester and Nashua. These tragic incidents are 100% preventable, and those responsible, along with any establishments that over-served them, must be held accountable.

The Harsh Reality in New Hampshire:
Driving under the influence (DUI) carries severe penalties in New Hampshire under RSA 265-A. If a driver’s Blood Alcohol Concentration (BAC) is 0.08% or higher, they are legally intoxicated. However, even BAC levels below the legal limit can impair judgment and reaction time, leading to dangerous driving conditions. Often, drunk driving accidents result in head-on collisions, high-speed impacts, or sudden swerving, leading to catastrophic injuries for innocent victims.

Punitive Damages and Accountability:
Beyond standard compensation for medical bills, lost wages, and pain and suffering, drunk driving cases often qualify for punitive damages in New Hampshire. These damages are designed to punish the at-fault driver for their egregious conduct and deter similar reckless behavior by others. When an individual consciously chooses to drive while impaired, they demonstrate a conscious indifference to the safety of others on the road, making them eligible for these additional penalties. Our firm excels at proving the gross negligence required for maximum punitive damages.

Dram Shop Liability in New Hampshire:
While New Hampshire’s dram shop laws (RSA 507-F) are structured differently than those in Texas, they still allow for establishments that serve alcohol to be held liable under certain circumstances. An establishment (bar, restaurant, liquor store, social club) can be held responsible if they served alcohol to a person who was visibly intoxicated and that person then caused injury or death. “Visibly intoxicated” refers to outward manifestations of intoxication. This expands the pool of liable parties and can significantly increase the available compensation for victims injured by impaired drivers who were over-served in towns like Salem, Hooksett, or Milford.

Why Attorney911 for Drunk Driving Accidents:
We aggressively pursue every avenue of recovery for our clients. This includes not only holding the drunk driver accountable but also investigating potential dram shop claims against the establishments that contributed to their intoxication. Our firm’s experience extends beyond civil litigation. Ralph Manginello’s membership in elite criminal defense organizations provides unique insight into DUI cases, allowing us to leverage evidence from criminal proceedings to strengthen your personal injury claim. This dual perspective is invaluable when dealing with a drunk driving accident in New Hampshire. For example, we’ve had major criminal defense victories that stemmed from thorough investigation, such as the dismissal of a DWI charge because we proved the breathalyzer machine was improperly maintained. This detailed investigative work translates directly to powerful arguments in civil court.

If a drunk driver has injured you or a loved one in New Hampshire, you need an attorney who will leave no stone unturned in seeking justice. Call 1-888-ATTY-911 for a free and confidential consultation.

Motorcycle Accidents in New Hampshire: Fighting the Bias

Motorcyclists in New Hampshire face unique dangers on the road. Despite their right to share the lanes, riders often encounter driver inattention, prejudice, and a heightened risk of severe injury due to their limited protection. Motorcyclist fatalities remain a tragic reality nationwide, and New Hampshire’s scenic routes, while beautiful, present dangerous scenarios for riders when other drivers are negligent.

The Reality of Motorcycle Accidents in New Hampshire:
Motorcycle accidents in New Hampshire frequently occur on major highways like I-93, I-89, or scenic routes throughout the White Mountains. Many collisions are caused by drivers who fail to see motorcycles, make unsafe lane changes, or turn left directly into a rider’s path. Insurance companies often try to exploit societal biases against motorcyclists, attempting to place blame on the rider or minimize their injuries, even when the other driver is clearly at fault.

New Hampshire Helmet Laws:
New Hampshire has unique helmet laws. While riders under the age of 18 are required to wear a helmet, riders 18 and older are not mandated to wear helmets, though it is strongly recommended for safety. This legal distinction can sometimes complicate accident claims, as insurance companies may argue that unhelmeted riders contributed to the severity of their head injuries.

The 51% Comparative Negligence Hurdle:
Similar to Texas, New Hampshire utilizes a modified comparative negligence rule. If an insurance company can prove you were 51% or more at fault for the accident, you cannot recover any compensation. Even if you are found to be 50% or less at fault, your damages will be reduced by your percentage of blame. This rule is frequently weaponized against motorcyclists to reduce their claims. Associate attorney Lupe Peña, with his years of experience working for large insurance defense firms, made these comparative fault arguments for years. Now, he uses that insider knowledge to defend our clients against them, anticipating and countering every tactic.

Common Causes of Motorcycle Accidents:

• Failure to Yield Right of Way: Drivers failing to see motorcycles or misjudging their speed.
• Driver Inattention/Distraction: Divided attention in congested areas of Manchester or Nashua.
• Unsafe Lane Changes: Drivers often don’t check blind spots adequately for motorcycles.
• Left-Turn Accidents: A common and devastating type of collision where a car turns in front of a motorcycle.

Why Attorney911 for Motorcycle Accidents:
Our legal team understands the road hazards motorcyclists face and, crucially, how to overcome the inherent biases that often arise in these cases. We work diligently to prove the other driver’s negligence and protect our clients from unfair blame. We gather evidence, interview witnesses, and, if necessary, work with accident reconstruction experts to accurately depict how the crash occurred and who was at fault. We fight against insurance companies’ attempts to undervalue your injuries and ensure you receive full compensation for your medical bills, lost wages, property damage, and the significant pain and suffering associated with motorcycle accident injuries.

If you’ve been injured in a motorcycle accident in New Hampshire, don’t let insurance companies blame you. Call 1-888-ATTY-911 for a free consultation.

Pedestrian Accidents in New Hampshire: Vulnerable Road Users

Pedestrians are among the most vulnerable road users in New Hampshire. Whether crossing a street in downtown Concord, walking along a sidewalk in Hampton Beach, or navigating a parking lot in Nashua, pedestrians rely entirely on the attentiveness and adherence to traffic laws of drivers. Unfortunately, driver negligence often leads to devastating consequences, with pedestrians suffering severe and often fatal injuries.

The Harsh Reality in New Hampshire:
Nationally, pedestrians account for a disproportionately high percentage of all roadway deaths compared to their involvement in overall crashes. In bustling New Hampshire cities, pedestrian accidents are often concentrated in areas with high foot traffic, such as downtown sectors, near schools, crosswalks, and public transportation hubs. However, even in rural areas, pedestrians walking near roadways can be struck due to poor visibility, distracted drivers, or lack of proper lighting.

Critical Legal Point: Pedestrian Right-of-Way:
Many drivers are unaware that pedestrians in New Hampshire generally have the right-of-way in marked crosswalks and, crucially, even at unmarked intersections. New Hampshire law (RSA 265:36 and 265:37) dictates that drivers must yield to pedestrians properly crossing within a marked crosswalk or an unmarked crosswalk at an intersection. Ignorance of this law does not excuse a driver’s negligence. Insurance companies will rarely highlight this important legal detail, often trying to place blame on the pedestrian. Our firm aggressively uses this aspect of traffic law to prove driver fault and protect our clients’ rights.

Common Injuries from Pedestrian Accidents:
Given the complete lack of protection, pedestrian accidents frequently result in catastrophic injuries, including:

• Traumatic Brain Injuries (TBIs)
• Spinal Cord Injuries
• Multiple Fractures (especially to legs, pelvis, and arms)
• Internal Organ Damage
• Severe Lacerations and Abrasions
• Wrongful Death

Why Attorney911 for Pedestrian Accidents:
When a pedestrian is struck by a vehicle, the impact on their life is profound. Our team understands the severe medical, financial, and emotional struggles that follow. We meticulously investigate pedestrian accident cases in New Hampshire, gathering evidence such as surveillance footage from nearby businesses (critical before it’s deleted), witness statements, and accident reconstruction to establish clear liability. We fight tirelessly against insurance companies that attempt to blame the victim, leveraging our thorough understanding of New Hampshire traffic laws and our insider knowledge of insurance defense tactics. Our goal is to secure comprehensive compensation that covers not only immediate medical costs but also long-term care needs, lost income, and significant pain and suffering.

If you or a loved one has been injured in a pedestrian accident in Concord, Keene, Dover, or any New Hampshire community, you need powerful legal representation. Call 1-888-ATTY-911 immediately for a free consultation. Every day that passes can jeopardize critical evidence.

Rideshare Accidents (Uber/Lyft) in New Hampshire: Navigating the Insurance Maze

The rise of rideshare services like Uber and Lyft has transformed transportation in New Hampshire cities like Manchester, Nashua, and Portsmouth. While convenient, these services also introduce complex legal and insurance challenges when accidents occur. If you’ve been injured as a passenger, driver, or third party in a rideshare accident, figuring out who is responsible and which insurance policy applies can be a daunting maze.

The Complex Rideshare Insurance Policy: Rideshare companies utilize a multi-phase insurance policy that shifts coverage depending on the driver’s status at the exact moment of the accident. This is where cases become incredibly complicated, and why Lupe Peña’s insider knowledge of insurance, gained from years working for defense firms, is invaluable.

• Period 0 – Offline (App Off): When the driver’s rideshare app is off, only their personal car insurance applies. New Hampshire requires minimum liability coverage, which can be as low as $25,000 per person for bodily injury. If the driver lacks adequate personal insurance, your recovery could be significantly limited.
• Period 1 – Waiting for a Request (App On): When the driver has the app on and is waiting for a ride request, Uber and Lyft provide contingent liability coverage, typically $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage.
• Period 2 – Accepted a Request (On the Way to Pick Up): Once the driver accepts a ride and is en route to pick up the passenger, a commercial insurance policy kicks in, providing $1,000,000 in liability coverage.
• Period 3 – Passenger in Vehicle (During the Ride): While a passenger is in the vehicle, the $1,000,000 commercial liability policy remains active.

Who Can Be Injured in Rideshare Accidents?

• Passengers: As an innocent passenger, you are typically entitled to compensation from the rideshare company’s robust commercial policy if the rideshare driver or another driver was at fault.
• Rideshare Drivers: If you were driving for Uber or Lyft and another driver caused the accident, you can claim against their personal insurance. If you were hit by an uninsured or underinsured motorist while working, the rideshare company’s UM/UIM policy may provide coverage.
• Third Parties: People in other vehicles, pedestrians, or cyclists hit by a rideshare driver can also claim against the rideshare company’s liability policy, depending on the phase of the trip.

Why Attorney911 for Rideshare Accidents:
The differences in coverage between these phases can mean millions of dollars in compensation versus minimal recovery. Our team, critically informed by Lupe Peña’s years of experience valuing claims for insurance companies, excels at navigating this complex rideshare insurance landscape. We meticulously investigate the driver’s status at the exact moment of impact to ensure we pursue the maximum available coverage. We fight aggressively against rideshare companies and their multiple layers of insurance to secure full compensation for our clients in New Hampshire.

If you’ve been involved in a rideshare accident in New Hampshire, don’t let the insurance companies deny or minimize your claim. Call 1-888-ATTY-911 for experienced legal guidance.

Hit and Run Accidents in New Hampshire: When the At-Fault Driver Flees

Being a victim of a hit and run accident in New Hampshire is particularly infuriating and frightening. Not only have you suffered injuries and property damage, but the responsible driver has callously fled the scene, compounding your distress. While tracking down these drivers can be challenging, victims are not without recourse. Our firm aggressively pursues all available avenues for compensation.

The Criminal Side of Hit and Run:
In New Hampshire, fleeing the scene of an accident, especially one involving injury or death, is a serious criminal offense. Depending on the severity of the incident and the level of injury, it can lead to felony charges, significant fines, and lengthy prison sentences under RSA 264:25. These criminal penalties underscore the gravity of abandoning an injured party at an accident scene. Local law enforcement agencies, from the New Hampshire State Police to local police departments in Derry or Rochester, will often dedicate significant resources to locating hit and run drivers, especially in severe cases.

Uninsured Motorist (UM) Coverage: Your Lifeline:
Even if the hit and run driver is never identified, your own Uninsured Motorist (UM) coverage can be a lifesaver. UM coverage in New Hampshire is designed to protect you when the at-fault driver has no insurance or flees the scene. It typically covers your medical expenses, lost wages, pain and suffering, and even property damage. We strongly advise all New Hampshire drivers to carry robust UM/UIM coverage. Attorney911 has a dedicated video explaining the importance of UM/UIM claims, which you can find at https://www.youtube.com/watch?v=kWcNFyb-Yq8.

The Urgency of Evidence Preservation:
In hit and run cases, evidence disappears even faster than usual. Surveillance footage from gas stations, businesses, or traffic cameras near the accident scene (e.g., on crowded streets near the Mall of New Hampshire in Manchester or downtown Portsmouth) is often the key to identifying the elusive driver. However, this footage is typically deleted within 7-30 days. This is precisely why calling Attorney911 immediately at 1-888-ATTY-911 is critical. We can swiftly send preservation letters to businesses, legally compelling them to hold onto any relevant footage before it’s gone forever.

Why Attorney911 for Hit and Run Cases:
Our team specializes in meticulous investigations to uncover every possible piece of evidence. If the driver is found, we pursue them and their insurance. If they remain unidentified, we maximize your recovery through your UM/UIM policy, treating your own insurance company as the adversary, just as we would the at-fault driver’s. We ensure that you receive the compensation you deserve, even when the other driver shirks their responsibility.

If you’ve been the victim of a hit and run accident in New Hampshire, time is immediately of the essence. Call 1-888-ATTY-911 now for a free consultation.

Bicycle Accidents in New Hampshire: Protecting Vulnerable Cyclists

New Hampshire’s picturesque roads and growing network of rail trails offer abundant opportunities for cycling, from leisurely rides in Hampstead to challenging routes in the White Mountains. However, this also places cyclists in close proximity to vehicles, often leading to severe accidents when drivers are negligent. Cyclists, like pedestrians, are incredibly vulnerable, with little protection against the force of a collision.

The Reality for New Hampshire Cyclists:
Bicycle accidents frequently occur due to drivers failing to yield the right-of-way, speeding, distracted driving (e.g., texting while driving near bike lanes in Dover or Rochester), or making unsafe turns. Many drivers simply don’t see cyclists, leading to devastating impacts. New Hampshire law (RSA 265:143) recognizes bicycles as vehicles, granting cyclists many of the same rights and duties as motorists, including the right to use the road.

Comparative Negligence and Bias:
As with motorcycle accidents, insurance companies often attempt to blame cyclists for their injuries, arguing they should have been more visible or taken evasive action. New Hampshire’s modified comparative negligence rule (the 51% bar) means that if you’re found to be more than 50% at fault, you recover nothing. Our associate attorney, Lupe Peña, leveraged such arguments for years during his time representing insurance defense firms. Now, he uses that insider knowledge to deconstruct these biased claims and protect our cycling clients from unfair fault assignments.

Common Injuries from Bicycle Accidents:
Beyond severe road rash, cyclists often suffer from:

• Traumatic Brain Injuries (TBIs), even with helmet use.
• Spinal Fractures and Disc Injuries
• Broken Bones (collarbones, wrists, legs are common)
• Dental and Facial Trauma
• Internal Organ Damage

Why Attorney911 for Bicycle Accidents:
Our firm has a proven track record of successfully representing injured cyclists against negligent drivers and their insurance companies. We understand the specific laws protecting cyclists in New Hampshire and aggressively counter tactics designed to undervalue their claims. We work with accident reconstructionists when necessary to visually demonstrate how the accident occurred, ensuring that the driver’s negligence is clearly established. We fight for comprehensive compensation, including past and future medical expenses, lost wages, property damage (for your bike and gear), and significant pain and suffering.

If you’ve been injured in a bicycle accident in New Hampshire, don’t let insurance companies blame you or minimize your injuries. Call 1-888-ATTY-911 for a free and confidential consultation.

Delivery Vehicle Accidents in New Hampshire: The “Last Mile” Risk

The rapid growth of e-commerce and on-demand delivery services means more delivery vehicles are on New Hampshire’s roads than ever before. From Amazon DSP (Delivery Service Partner) vans rushing packages through Manchester to FedEx trucks navigating congested areas in Nashua and DoorDash drivers making deliveries in Concord, the “last mile” of delivery has introduced new accident risks. When these commercial drivers cause accidents, the liability can be complex.

The Rush and Distraction Factor:
Delivery drivers often operate under tight schedules and intense pressure to complete as many deliveries as possible. This can lead to unsafe driving practices such as speeding, distracted driving (e.g., constantly checking navigation apps or scanning packages), abrupt stops, and illegal parking. High volumes of small package deliveries, particularly in residential areas, increase the likelihood of collisions with pedestrians, cyclists, or parked cars.

Corporate Liability and High Stakes:
Unlike accidents involving private vehicles, delivery vehicle accidents often draw in corporate defendants with deeper pockets and higher insurance limits. For instance, Amazon’s DSP program involves intricate contractual agreements where DSPs are often required to “defend and indemnify” Amazon for “death or injury.” While they may try to distance themselves, the corporate entity (e.g., Amazon, FedEx, GrubHub, Instacart) often carries significant liability. Recent high-profile verdicts, such as a $16.2 million award against Amazon in Georgia after a child was struck by a delivery van and a $105 million verdict in Lopez v. All Points 360 (an Amazon DSP case), demonstrate that juries are holding large corporations accountable.

Why Attorney911 for Delivery Vehicle Accidents:
Our firm has extensive experience taking on large corporations and their legal teams. Ralph Manginello’s involvement in BP explosion litigation showcases our capability to handle cases against massive entities. We understand the unique liability structures involved with delivery services and aggressively investigate whether corporate policies or negligence contributed to the accident. This includes examining driver training, scheduling practices, vehicle maintenance, and how their business models may incentivize unsafe driving. Lupe Peña’s insider knowledge of how large corporations and their insurers operate is especially critical in these high-stakes cases against companies whose business models often prioritize speed over safety. We ensure that all responsible parties are held accountable for your injuries in New Hampshire.

If you’ve been injured in an accident involving a delivery vehicle in New Hampshire, you need an attorney with the resources and experience to take on powerful corporations. Call 1-888-ATTY-911 for a free, no-obligation consultation.

Tesla/Autopilot/Full Self-Driving (FSD) Accidents in New Hampshire: When Technology Fails

As advanced driver-assistance systems become more common in vehicles like Teslas on New Hampshire’s roads, so do complex questions of liability when these technologies fail and cause accidents. Drivers in cities like Hanover, Bedford, and Dover often rely on features like Autopilot or Full Self-Driving (FSD), but these systems are not autonomous and demand constant human supervision. Accidents involving these technologies present unique legal challenges that require specialized expertise.

The Reality of AV Technology Failures:
While marketed as safety features, Tesla’s Autopilot and FSD have been implicated in a growing number of crashes, some fatal. These systems, whether on I-93 or winding back roads, can misinterpret road conditions, fail to detect obstacles (including emergency vehicles), or disengage abruptly, leaving drivers insufficient time to react. The National Highway Traffic Safety Administration (NHTSA) data shows that Tesla’s Autopilot accounts for a significant percentage of driver-assist crashes reported. In December 2023, Tesla recalled over 2 million vehicles to address issues with Autopilot’s driver attention system.

Complex Liability Arguments:
Determining fault in autonomous or semi-autonomous vehicle accidents often involves multiple parties and requires highly technical legal arguments:

• Tesla’s Marketing: We argue that Tesla has engaged in deceptive marketing, fostering overconfidence in systems that are not truly “full self-driving.”
• Known Defects: Evidence suggests Tesla may be aware of certain limitations or defects in their systems, such as the inability to recognize emergency vehicles.
• Driver Over-Reliance: The design and marketing of these systems can encourage drivers to become complacent and over-reliant, leading to a delayed reaction when human intervention is required.
• Software Updates: Instead of comprehensive safety recalls, Tesla often pushes over-the-air (OTA) software updates, which may not adequately address underlying safety issues.

Why Attorney911 for Tesla/Autopilot Accidents:
Our firm is uniquely positioned to handle these technologically advanced and complicated product liability cases. Ralph Manginello’s admission to federal court (U.S. District Court, Southern District of Texas) and our firm’s involvement in the BP explosion litigation demonstrate our capability to take on large, powerful corporations in complex federal lawsuits. We work with leading experts in autonomous vehicle technology, accident reconstruction, and product design to meticulously analyze crash data, software logs, and vehicle performance. We are prepared to expose design flaws, manufacturing defects, or misleading marketing that contributes to these accidents and fight for maximum compensation for victims in New Hampshire. A landmark jury verdict of $240 million plus against Tesla in Miami in August 2025 illustrates the severe financial risks these companies face.

If you’ve been injured in an accident in New Hampshire involving a Tesla’s Autopilot or Full Self-Driving system, you need attorneys who understand the intricacies of this evolving technology. Call 1-888-ATTY-911 for a comprehensive case evaluation.

Bus Accidents in New Hampshire: Holding Carriers Accountable

Whether it’s a school bus transporting children in Manchester, a public transit bus navigating downtown Concord, or a commercial tour bus traveling New Hampshire’s scenic routes, bus accidents can lead to severe injuries for passengers, other motorists, pedestrians, and cyclists. Despite stringent safety regulations, negligence can and does occur.

The Reality of Bus Accidents in New Hampshire:
Bus accidents often involve significant force due to the sheer size and weight of these vehicles. New Hampshire, like other states, experiences numerous bus incidents. Passenger safety on buses can be compromised by the lack of seatbelts (in many models), leading to greater injury potential in a collision.

Liable Parties and Complexities:
Liability in bus accidents can be intricate, involving multiple parties:

• Bus Driver: For negligent operation, fatigue, or impairment.
• Bus Company: For inadequate driver training, improper vehicle maintenance, or scheduling violations.
• Bus Manufacturer: For design or manufacturing defects (e.g., faulty brakes, steering).
• Governmental Entity: If the bus is operated by a municipal transit authority or school district (e.g., in Nashua or Dover), special notice requirements and governmental immunity laws in New Hampshire may apply, making these cases particularly challenging and time-sensitive.
• Other Drivers: If another vehicle caused the accident, they too could be held liable.

Why Attorney911 for Bus Accidents:
Our firm has extensive experience navigating complex personal injury claims, including those against large corporate entities and governmental bodies. We understand the specific regulations governing bus operations and work to uncover any violations that contributed to the accident. Given Ralph Manginello’s experience, which includes working against large entities in the BP explosion litigation, we are exceptionally prepared to handle cases against powerful bus companies or resistant government agencies in New Hampshire. We meticulously investigate, secure black box data and driver logs, and interview witnesses to build an unassailable case for our clients.

If you’ve been injured in a bus accident in New Hampshire, you need an attorney who can handle the multi-layered complexities of these claims. Call 1-888-ATTY-911 for expert legal representation.

Construction Zone Accidents in New Hampshire: A Gauntlet of Hazards

Construction zones are a necessary inconvenience on New Hampshire’s roadways, from major highway expansion projects on I-93 to local roadwork in cities and towns. However, they also create a gauntlet of hazards that lead to numerous preventable accidents and injuries. Speeding, distracted driving, poor signage, and inadequate traffic control measures combine to make these areas especially dangerous for motorists and construction workers alike.

The Reality of Work Zone Dangers in New Hampshire:
New Hampshire sees its share of construction zone accidents, mirroring national trends where fatalities regularly increase. These incidents often involve drivers failing to slow down, merging abruptly, or becoming distracted by the changing road conditions. Workers within these zones are also at extreme risk, often falling victim to passing vehicles. The presence of heavy equipment, narrowed lanes, and sudden traffic pattern shifts create a volatile environment, as seen in projects across the state, including the ongoing updates near Concord or Manchester.

Common Causes of Construction Zone Accidents:

• Speeding: Drivers often fail to reduce speed in designated work zones.
• Distracted Driving: Motorists focusing on navigation, phones, or other passengers instead of changing road conditions.
• Failure to Merge Properly: Drivers making last-minute lane changes, causing collisions.
• Inadequate Signage/Lighting: Poorly marked zones or insufficient lighting, especially at night.
• Negligent Traffic Control: Flaggers, cones, or barriers used improperly, creating hazards.
• Driver Fatigue: Commercial drivers operating through long stretches of construction.

Why Attorney911 for Construction Zone Accidents:
Our firm has a strong track record of success in complex accident cases, including those that involve construction zones. We meticulously investigate every aspect of these incidents, from scrutinizing work zone layouts and signage against federal and state regulations to reviewing construction company safety protocols and driver logs. We are prepared to hold negligent drivers and, if applicable, construction companies and contractors accountable for ensuring a safe passage through their work zones. Our experience dealing with large corporate entities, exemplified by our involvement in BP explosion litigation, positions us well to combat the legal teams of construction giants.

If you or a loved one has been injured in a construction zone accident in New Hampshire, don’t let complex liability arguments deter you. Call 1-888-ATTY-911 for a free and comprehensive case evaluation.

Other Motor Vehicle Accident Types in New Hampshire: Addressing Every Scenario

Beyond the most common and high-impact accident types, our firm handles a diverse range of motor vehicle incidents across New Hampshire. Our comprehensive approach ensures that no matter the unique circumstances of your accident, you have powerful legal representation fighting for your rights.

E-Scooter/E-Bike Accidents: The New Urban Challenge

The proliferation of e-scooters and e-bikes in cities and towns like Durham or Keene, often preferred by students and tourists alike, introduces new accident scenarios. Riders face the same vulnerabilities as traditional cyclists but often operate at higher speeds. Accidents can involve collisions with vehicles, pedestrians, or even result from product defects (e.g., battery fires, brake failures). New Hampshire law has specific classifications for e-bikes, but general negligence rules apply. Our firm helps identify liable parties, from negligent drivers to manufacturers of defective devices, securing compensation for severe injuries often associated with e-scooter and e-bike crashes.

Ambulance/Emergency Vehicle Accidents: Specialized Liability

When ambulances, fire trucks, or police vehicles are involved in accidents in New Hampshire, liability can be complex. While these vehicles often have certain privileges (like running red lights with lights and sirens), they are still expected to operate with due regard for public safety. Claims against government entities typically have shorter notice periods (often just a few months) and may involve governmental immunity defenses. You need an attorney who understands these specialized rules.

Commercial Vehicle Accidents: Beyond 18-Wheelers

Commercial vehicle accidents encompass a broad category beyond just giant 18-wheelers, involving vans, delivery trucks, utility vehicles, and service vehicles operating throughout New Hampshire. These vehicles are often larger and heavier than passenger cars, leading to more severe injuries. They are typically covered by higher insurance policies and involve corporate defendants, necessitating a legal team experienced in navigating corporate liability. Our associate attorney, Lupe Peña, leverages his insider knowledge of insurance defense tactics to combat the strategies of these corporate entities and their insurers.

Distracted Driving Accidents: A Modern Epidemic

Distracted driving is a leading cause of accidents in New Hampshire, whether it’s texting on the highway, using a navigation app in Manchester, or talking on the phone. Engaging in any activity that takes a driver’s attention away from the road can lead to catastrophic consequences. Proving distracted driving often involves securing cell phone records and witness testimony, areas in which Attorney911 excels, building a strong case for victim compensation.

Weather-Related Accidents: When Conditions Turn Dangerous

New Hampshire’s weather can be unpredictable and harsh, from heavy winter snows and black ice to summer downpours. While drivers are expected to adjust their driving to conditions, some accidents are caused by gross negligence—such as speeding during a whiteout or driving with bald tires despite hazardous conditions. Determining liability requires skill, proving that a driver’s recklessness, not just the weather, caused the crash.

Intersection Accidents: High-Risk Zones

Intersections in New Hampshire, especially busy ones in cities like Nashua or Concord, are notorious for accidents, including T-bone collisions, red-light runners, and failure-to-yield incidents. Proving fault often relies on traffic camera footage (which needs to be secured quickly), witness statements, and analysis of traffic signal timing. These areas are high-risk zones where driver inattention has immediate and severe consequences.

Boat/Maritime Accidents: Offshore and Inland Waters

Given New Hampshire’s extensive coastline, lakes (like Lake Winnipesaukee), and rivers, boat and maritime accidents can occur. These often involve property destruction, severe personal injuries, or even wrongful death. Liability can fall under admiralty law, a specialized and complex area of federal law that differs significantly from state personal injury law. Our firm’s experience, which includes cases like a client who injured his back lifting cargo on a ship and secured a significant settlement due to employer negligence, demonstrates our capability in these specialized areas.

No matter how your accident occurred in New Hampshire, Attorney911 is prepared to provide experienced, aggressive legal representation. Call 1-888-ATTY-911 for a free consultation.

Texas Motor Vehicle Law Framework: Protecting Your Rights in New Hampshire

While our principal office is in Houston, Texas, our firm serves clients throughout New Hampshire who have been injured in motor vehicle accidents. Understanding the fundamental legal framework that applies in New Hampshire is crucial for navigating your personal injury claim.

Statute of Limitations: The Clock Is Ticking

In New Hampshire, the statute of limitations for most personal injury claims is three years from the date of the accident (RSA 508:4). This means that you generally have three years from the date your injury occurred to file a lawsuit in civil court. While this is longer than Texas’s two-year limit, it is absolutely critical to act quickly.

Exceptions and Critical Details:

• Medical Malpractice: Even shorter deadlines may apply.
• Governmental Claims: If the at-fault party is a state or local government entity (e.g., a city bus, state-maintained vehicle, or highway department), there are often much shorter notice periods, sometimes just 60 days, that you must meet before you can even file a lawsuit.
• Minors: The clock for a minor’s personal injury claim typically does not start until their 18th birthday.
• Wrongful Death: In New Hampshire, wrongful death actions also generally have a three-year statute of limitations from the date of death.

CRITICAL: Missing this deadline means you forever lose your right to pursue compensation, regardless of how strong your case. Insurance companies are well aware of this and may attempt to delay or prolong negotiations until the statute runs out. Attorney911 acts swiftly to protect your rights, ensuring all deadlines are met.

Comparative Negligence: The 50% Rule

New Hampshire utilizes a modified comparative negligence system with a 50% bar. This means:

• If you are found to be 50% or less at fault for the accident, you can still recover damages, but your compensation will be reduced by your percentage of fault.
• If you are found to be 51% or more at fault, you cannot recover any damages from the other party.

Examples:

• If a jury awards you $100,000, but finds you 10% at fault, you would receive $90,000.
• If a jury finds you 50% at fault, you would receive $50,000.
• If the jury finds you 51% at fault, you would receive $0.

Why This Matters: Insurance companies in New Hampshire will aggressively try to assign as much fault to you as possible to reduce or eliminate the amount they have to pay. Even a small percentage of fault can significantly impact your recovery. Our legal team, armed with Lupe Peña’s insider knowledge of insurance defense tactics (he made these arguments for years), excels at countering these blame-shifting strategies. We gather meticulous evidence to prove the other driver’s fault and protect your right to full compensation in New Hampshire.

New Hampshire Legal Terms Dictionary

It’s important to understand the terminology often used in personal injury cases in New Hampshire:

• Negligence: Failure to act with the level of care that a reasonably prudent person would have exercised under the same circumstances.
• Duty of Care: The legal obligation to exercise a reasonable standard of care in a particular situation (e.g., drivers have a duty to drive safely).
• Breach of Duty: When a defendant fails to meet the required standard of care (e.g., speeding, distracted driving).
• Causation: The direct link between the defendant’s breach of duty and the plaintiff’s injuries.
• Damages: The monetary compensation awarded for injuries and losses.
• Economic Damages: Quantifiable financial losses, including medical bills, lost wages, and property damage. There is generally no cap on economic damages in New Hampshire personal injury cases.
• Non-Economic Damages: Intangible losses such as pain and suffering, mental anguish, physical impairment, and loss of enjoyment of life. New Hampshire generally has no cap on non-economic damages in personal injury cases, allowing for full recovery.
• Punitive/Exemplary Damages: Additional damages awarded to punish the defendant for reckless, malicious, or egregious conduct and deter similar behavior. These are available in New Hampshire but require proof of “wanton, malicious, or oppressive conduct.”
• Dram Shop Liability: Statutes (like RSA 507-F in New Hampshire) that hold establishments (bars, restaurants, etc.) liable for damages caused by visibly intoxicated patrons they served.
• Vicarious Liability: A party (e.g., an employer) being held responsible for the actions of another (e.g., an employee acting within the scope of employment).
• UM/UIM Coverage: Uninsured/Underinsured Motorist coverage, which protects you if the at-fault driver has no insurance or insufficient insurance.
• Bad Faith: An insurance company’s unreasonable denial or delay of a valid claim.
• Contingency Fee: A fee arrangement where the attorney’s payment is a percentage of the client’s recovery, meaning no attorney fees are paid unless the case is won.
• Subrogation: The right of an insurer to recover money it has paid out from the party who caused the loss.

New Hampshire Minimum Auto Insurance Requirements

In New Hampshire, all drivers are legally required to carry specific minimum amounts of car insurance:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident (covers injuries to others)
• Property Damage Liability: $25,000 per accident (covers damage to others’ property)
• Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident (covers your injuries if the at-fault driver has no or insufficient insurance)
• Medical Payments (MedPay): $1,000 (covers your medical expenses regardless of fault)

While these are minimums, they are often insufficient to cover severe injuries, especially in a catastrophic accident on I-93 or Route 1. Attorney911 advocates for clients to carry higher coverage and leverages all available policies to maximize compensation in New Hampshire.

Proving Liability & Building Your Case in New Hampshire

After a motor vehicle accident in New Hampshire, establishing who was at fault is paramount to securing fair compensation. This process involves proving all four elements of negligence. At Attorney911, we meticulously gather and analyze evidence to build a compelling case that clearly demonstrates the other party’s liability.

The Four Elements of Negligence

To win a personal injury case in New Hampshire, we must prove:

1. Duty of Care: All drivers on New Hampshire’s roads have a legal obligation to operate their vehicles safely and follow traffic laws (e.g., maintaining a safe speed on Route 16, yielding in intersections in Salem).
2. Breach of Duty: The at-fault driver violated their duty of care. This could be speeding, distracted driving (e.g., using a phone while driving through downtown Nashua), running a red light, driving under the influence, or failing to yield the right-of-way.
3. Causation: The driver’s breach of duty directly caused your injuries. We must demonstrate that “but for” their negligent actions, your accident and injuries would not have occurred.
4. Damages: You suffered actual harm—physical, financial, or emotional—as a direct result of the accident. This includes medical bills, lost income, pain and suffering, and property damage.

Evidence Types and Sources in New Hampshire

A successful personal injury claim in New Hampshire hinges on robust evidence. Our legal team leaves no stone unturned in collecting:

• Physical Evidence: Photographs of vehicle damage from all angles, debris on the road, skid marks, road conditions, and any damaged personal property.
• Documentary Evidence: The official police accident report, 911 call recordings, traffic camera footage (e.g., from busy intersections in Manchester or Concord), surveillance footage from nearby businesses (gas stations, stores), medical records and bills, employment records (for lost wages), and, critically, cell phone records if distracted driving is suspected.
• Electronic Evidence: For trucking accidents, Electronic Logging Device (ELD) data is vital. Vehicle black box/Event Data Recorder (EDR) data from cars and trucks can reveal speed, braking, and other pre-impact information. GPS/telematics data and personal dashcam footage are also invaluable.
• Testimonial Evidence: Statements from eyewitnesses, expert witness testimony (e.g., medical professionals, accident reconstructionists), and your own detailed account of the incident.

Multiple Liable Parties: Expanding Your Recovery

In many accidents in New Hampshire, particularly those involving commercial vehicles, there can be more than one party at fault. Identifying all liable parties is crucial for maximizing your compensation.

• Trucking Accidents: Beyond the truck driver, liability can extend to the trucking company (for negligent hiring, training, or maintenance), the cargo loading company, or even the truck manufacturer.
• Drunk Driving Accidents: In addition to the drunk driver, establishments that over-served the driver (bars, restaurants) may be held liable under New Hampshire’s dram shop laws (RSA 507-F).
• Rideshare Accidents: Depending on the precise moment of the crash, the rideshare driver, the rideshare company (Uber/Lyft), or other at-fault drivers could be legally responsible.
• Construction Zone Accidents: Besides negligent drivers, construction companies or state/local authorities responsible for road design or traffic control may share liability.

More liable parties often mean more insurance policies, which can provide a greatly expanded pool of resources for your recovery.

Expert Witnesses: Strengthening Your Case

To thoroughly support your claim in New Hampshire, Attorney911 frequently collaborates with a network of respected expert witnesses:

• Accident Reconstructionists: These specialists analyze physical evidence to determine exactly how the crash occurred, vehicle speeds, points of impact, and who was at fault.
• Medical Experts: Doctors, specialists, and therapists provide crucial testimony on the nature, extent, and long-term prognosis of your injuries, connecting them directly to the accident.
• Life Care Planners: For catastrophic injuries, these experts project the full lifetime cost of future medical care, rehabilitation, and personal assistance.
• Vocational Experts: They assess your ability to return to work, determining lost earning capacity and any necessary career changes due to your injuries.
• Economists: These experts calculate the present value of future lost income and the financial impact of long-term disabilities.

Our proactive approach to gathering evidence and working with top experts is a cornerstone of our strategy in New Hampshire, laying a solid foundation for maximum compensation.

Damages & Compensation After an Accident in New Hampshire

When you’re injured in a motor vehicle accident in New Hampshire, you’re entitled to compensation for all the harm you’ve suffered. This isn’t just about immediate medical bills; it encompasses a wide range of economic, non-economic, and, in some cases, punitive damages designed to make you whole again. Our goal at Attorney911 is to maximize your recovery, ensuring all your current and future needs are met.

Types of Damages Available in New Hampshire

New Hampshire law allows accident victims to recover several categories of damages:

Economic Damages (No Cap in New Hampshire):

These are quantifiable financial losses directly attributable to your accident:

• Medical Expenses (Past & Future): This includes everything from emergency room visits at Catholic Medical Center in Manchester, ambulance rides, doctor consultations, surgeries, physical therapy, prescription medications, and medical equipment, to projected costs for ongoing treatment, future surgeries, and long-term care plans.
• Lost Wages (Past & Future): Compensation for income you’ve already lost due to inability to work, as well as the projected loss of future earning capacity if your injuries prevent you from returning to your previous job or working at full capacity.
• Property Damage: Costs to repair or replace your vehicle, any damaged personal items (e.g., smartphone, glasses, watch), and rental car expenses.
• Out-of-Pocket Expenses: Any other accident-related costs, such as transportation to medical appointments, home modifications for accessibility, or hiring help for household tasks you can no longer perform.

Non-Economic Damages (No Cap in New Hampshire, generally):

These are non-quantifiable losses that impact your quality of life, but are just as real:

• Pain and Suffering: Compensation for the physical pain and discomfort caused by your injuries, both past and future.
• Mental Anguish: The emotional distress, anxiety, fear, depression, and PTSD you experience as a result of the trauma.
• Physical Impairment/Disability: Compensation for the loss of physical function, limitations in movement, and any permanent disabilities that affect your daily life in New Hampshire.
• Disfigurement: Damages for scarring, visible injuries, or permanent changes to your appearance.
• Loss of Enjoyment of Life: Being unable to participate in hobbies, recreational activities, or social events you once enjoyed (e.g., hiking in the White Mountains, skiing at Loon Mountain, visiting Hampton Beach).
• Loss of Consortium: Damages for the negative impact on your marital relationship, including loss of companionship, affection, and intimacy.

Punitive/Exemplary Damages (Available under strict conditions):

In New Hampshire, punitive damages are not typically awarded in most personal injury cases. They are reserved for situations involving truly egregious, malicious, or oppressive conduct by the defendant. They are designed to punish the wrongdoer and deter others. While rare, they could be pursued in cases of extreme drunk driving or intentional misconduct.

Settlement Ranges by Injury Type

The value of a personal injury case in New Hampshire varies significantly based on the severity and impact of your injuries. Here’s a general overview of potential settlement ranges based on common accident-related injuries, keeping in mind that every case is unique and past results do not guarantee future outcomes.

• Soft Tissue Injuries (Whiplash, Sprains, Strains): Ranges from $15,000 to $60,000, with higher values for chronic pain or long-term restrictions. Medical costs alone can be $6,000-$16,000.
• Broken Bone (Simple Fracture): Typically $35,000 to $95,000, accounting for ER visits, orthopedic care, casting, and physical therapy.
• Broken Bone (Requiring Surgery – ORIF): Can range from $132,000 to $328,000, reflecting high surgical costs, hospital stays, and extensive rehab.
• Herniated Disc (Conservative Treatment): Values may fall between $70,000 and $171,000, covering diagnostics like MRIs, pain management, and physical therapy.
• Herniated Disc (Surgery Required): Can command $346,000 to $1,205,000, reflecting expensive spinal surgery, ongoing care, and significant lost earning capacity.
• Traumatic Brain Injury (Moderate to Severe): Ranges from $1,548,000 to $9,838,000, due to extensive emergency care, neurosurgery, lifetime rehabilitation, and massive lost earning capacity. Our firm secured a multi-million dollar settlement for a client who suffered a brain injury with vision loss, demonstrating our capability in these complex cases.
• Spinal Cord Injury / Paralysis: These are among the most catastrophic injuries, with lifetime care costs alone reaching into the millions. Settlement ranges can be $4,770,000 to $25,880,000+, depending on the level of paralysis (quadriplegia vs. paraplegia) and required lifetime support.
• Amputation: Given the profound life changes, amputations can result in settlements from $1,945,000 to $8,630,000+. This covers initial surgeries, phantom limb pain, and multiple prosthetic replacements over a lifetime. In a recent case, our client suffered a leg injury in a car accident that led to a staff infection and partial amputation, and this case settled in the millions due to our aggressive representation.
• Wrongful Death: These cases seek compensation for surviving family members’ losses, ranging from $1,910,000 to $9,520,000+. Factors include lost financial support, funeral expenses, and profound mental anguish. At Attorney911, our personal injury attorneys have helped numerous families facing tragic wrongful death cases recover millions of dollars in compensation from trucking accidents.

Nuclear Verdicts: A Powerful Leverage Point

“Nuclear verdicts” are jury awards exceeding $10 million, and they are becoming an increasingly significant factor in personal injury litigation. While these verdicts are more common in states like Texas, their growing prevalence indicates a societal trend toward holding negligent parties, especially corporations, accountable for catastrophic injuries.

Insurance companies are acutely aware of the risk of nuclear verdicts. This fear provides powerful leverage during settlement negotiations, even for cases that don’t go to trial. When an insurance company knows they are up against a firm like Attorney911, which has a track record of multi-million dollar settlements and the readiness to go to trial, they are far more likely to offer a fair settlement rather than risk a devastating jury award. Our firm’s involvement in BP explosion litigation and our multi-million dollar results prove our capability to command respect and achieve significant outcomes for our clients in New Hampshire.

Factors That Maximize Your Case Value

Several factors can increase the potential value of your personal injury claim in New Hampshire:

• Clear Liability: Strong evidence unequivocally proving the other driver’s fault (e.g., traffic camera footage of them running a red light in Nashua, undisputed witness testimony).
• Severe Injuries: Catastrophic injuries requiring surgery, resulting in permanent disability, disfigurement, or prolonged rehabilitation.
• High Medical Bills: Extensive medical treatment, hospital stays, and projections for future medical care.
• Significant Lost Wages: Substantial income loss, especially if you can no longer perform your previous job or have a reduced earning capacity over several decades.
• Sympathetic Plaintiff: A compelling personal story that resonates with a jury, such as a child, an elderly person, or a dedicated parent.
• Egregious Defendant Conduct: The at-fault driver’s actions were particularly reckless (e.g., extreme drunk driving, texting while driving).
• Strong Evidence: Video of the accident, multiple credible witnesses, a clear police report, and expert testimony.

Factors That Decrease Your Case Value (What to Avoid)

Conversely, certain actions or circumstances can undermine your claim:

• Disputed Liability: Conflicting accounts of the accident, lack of witnesses, or a police report that attributes partial fault to you.
• Gaps in Medical Treatment: Missed doctor’s appointments, long delays between visits, or not following your doctor’s recommendations. Insurance companies will argue that your injuries weren’t serious or were unrelated to the accident.
• Pre-Existing Conditions: While you can still recover for the aggravation of a prior injury, insurance companies will relentlessly try to blame your pain on pre-existing issues.
• Social Media Mistakes: Posting about your accident, injuries, or activities online. Insurance adjusters will scour your profiles for anything they can use to discredit your claim.
• Recorded Statements: Giving a statement to the other driver’s insurance company without legal counsel can significantly harm your case, as they will ask leading questions designed to elicit damaging responses.
• Delayed Attorney Hiring: Waiting too long to seek legal representation risks the loss of critical evidence (surveillance footage, witness memories), making your case much harder to prove.

This is why immediately calling Attorney911 at 1-888-ATTY-911 after an accident in New Hampshire is crucial. We help you avoid these pitfalls and build the strongest possible case for maximum compensation.

Insurance Counter-Intelligence System: Attorney911 Knows Their Playbook

After an accident in New Hampshire, you might assume the insurance company is on your side, especially your own. The truth, however, is that both your insurer and the at-fault driver’s insurer are businesses focused on profits, not your well-being. Their primary goal is to pay as little as possible, and they employ a sophisticated array of tactics to achieve this.

This is where Attorney911 offers an undeniable advantage: Associate Attorney Lupe Peña worked for a number of years at a national defense firm, learning firsthand how large insurance companies value claims and defend against personal injury lawsuits. He knows their playbook inside and out because he used their tactics. Now, he uses that insider knowledge to fight FOR you, not against you.

Tactic #1: The Quick Contact & Recorded Statement Trap (Days 1-3)

What Insurance Companies Do: Often within hours or days of your accident in New Hampshire, an adjuster will call you, acting friendly and concerned. They might say, “We just need your side of the story to process your claim,” or “It’s routine, everyone does this.” They often call while you’re still recovering, possibly on pain medication, vulnerable, and confused.

What They’re Really Doing: They are trying to get you to give a recorded statement that they can later use against you. They ask leading questions designed to:

• Get you to minimize your injuries (“You’re feeling better now, right?”)
• Elicit admissions of fault or partial fault (“Were you distracted at all?”)
• Trap you into contradictions later in your medical treatment.
• Every word is documented and can be twisted to deny or devalue your claim.

How Attorney911 Counters: You are NOT legally required to give a recorded statement to the other driver’s insurance company. If they call, simply say, “I need to speak with my attorney first.” And for your own insurance, while you have a duty to cooperate, always speak with us first. With Attorney911 on your side, all communications go through us. We know their questions because Lupe asked them for years. We protect you from unwittingly damaging your own case.

Tactic #2: The Quick Settlement Offer (Weeks 1-3)

What Insurance Companies Do: Early in your recovery, they may offer you a small, “take it or leave it” settlement: typically a few thousand dollars, sometimes more if they’re particularly worried about your claim. They often create artificial urgency, claiming the offer will “expire in 48 hours” or that they “can only get approval for this amount right now.”

What They’re Really Doing: They’re hoping you’re desperate for cash to cover immediate expenses and haven’t fully realized the extent of your injuries. Once you sign a settlement release, your claim is closed forever. If an MRI later shows a herniated disc requiring $75,000 in surgery, you’ll be on the hook for those costs.

How Attorney911 Counters: We advise clients NEVER to settle until they have reached Maximum Medical Improvement (MMI)—meaning your condition has stabilized, and you know the full extent of your injuries and future medical needs. Lupe Peña knows these early offers are always lowball attempts, typically 10-20% of your case’s true value, because he used to calculate them. We ensure you don’t trade a quick buck for a lifetime of debt.

Tactic #3: The “Independent” Medical Exam (IME) (Months 2-6)

What They Call It: An “Independent Medical Examination.”

What It Really Is: An examination by a doctor hired and paid for by the insurance company to minimize your injuries. These are not doctors focused on your health; they are focused on reducing the insurance company’s liability.

What They’re Really Doing: Based on his insider experience, Lupe Peña knows these doctors. Insurance companies select doctors who consistently produce reports stating that:

• Your injuries are “pre-existing” (e.g., from an old sports injury in high school in Bedford).
• Your injuries are less severe than claimed.
• Your treatment was “excessive” or unnecessary.
• You can return to work sooner than your treating physician recommends.
• Your complaints are “subjective” and not supported by “objective findings.”

How Attorney911 Counters: First, we meticulously prepare you for the IME, so you know what questions to expect and how to respond. Second, we challenge biased IME reports with strong medical evidence from your own treating physicians and, if necessary, bring in our own medical experts. Lupe knows which IME doctors they favor, having hired them for years, and can effectively counter their biased findings in New Hampshire claims.

Tactic #4: Delay and Financial Pressure (Months 6-12+)

What Insurance Companies Do: They drag out the entire process, hoping you’ll become financially desperate and accept a lower settlement. Calls are unreturned, emails are ignored, records are “lost,” and requests for information take weeks.

What They’re Really Doing: Insurance companies have unlimited time and resources, and they earn interest on the money they should be paying you. They know you have mounting medical bills, lost wages, and financial stress. They hope this pressure will force you to accept a cheap offer just to make it end.

How Attorney911 Counters: We don’t play their game. We proactively file lawsuits to force deadlines and compel discovery. We show them we are fully prepared to go to trial, which often prompts them to negotiate more seriously. Lupe understands these delay tactics because he deployed them himself. He knows precisely when to push to get your New Hampshire case moving forward.

Tactic #5: Surveillance & Social Media Monitoring

What Insurance Companies Do: They hire private investigators to follow you and film your daily activities. They meticulously comb through ALL your social media profiles—Facebook, Instagram, TikTok, LinkedIn, even your friends’ posts—screenshotting anything they can twist to their advantage.

What They’re Really Doing: They are looking for any photo or video that contradicts your injury claims. One photo of you bending over innocently can be presented as proof you’re “not really injured.” A snapshot of you smiling can be used to imply you’re “not in pain.”

Lupe Peña’s Insider Quote: “I’ve reviewed hundreds of surveillance videos and social media posts as defense attorney. Here’s the truth: Insurance companies take innocent activity out of context. They freeze ONE frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life – they’re building ammunition against you.”

How Attorney911 Counters: We advise all clients to immediately make their social media profiles private, avoid posting about their accident or injuries, and inform friends and family not to tag them in any posts. We effectively challenge misleading surveillance footage by providing context and medical testimony that proves their “gotcha” moments are out of context.

Tactic #6: Comparative Fault Arguments

What Insurance Companies Do: They will aggressively try to assign fault to you, even if the other driver was clearly negligent. They might claim you were speeding on Route 101, not paying attention in a parking lot in Nashua, or “could have avoided” the accident.

What They’re Really Doing: In New Hampshire, if you are 51% or more at fault, you recover nothing. If you are 50% or less at fault, your compensation is reduced by your percentage of blame. By shifting even a small percentage of fault to you, they save thousands of dollars.

How Attorney911 Counters: We conduct a thorough investigation, utilizing accident reconstructionists, witness statements, and police reports to clearly establish the other driver’s negligence. Our firm excels at countering these blame-shifting tactics. Lupe knows their comparative fault arguments because he made them for years—now he expertly defeats them, ensuring our clients in New Hampshire are not unfairly penalized.

Colossus & Claim Valuation Software: Decoding the Algorithm

Most large insurance companies, including those operating in New Hampshire, use sophisticated software systems like Colossus to calculate settlement offers. Lupe Peña knows exactly how these systems work because he used them during his time as an insurance defense attorney.

How It Works: Adjusters input injury codes, treatment types, medical costs, and other data into the software. Colossus then applies algorithms to generate a recommended settlement range. The problem is, these systems are programmed primarily to undervalue serious injuries. An injury like a herniated disc can be coded in multiple ways—a “soft tissue strain” (low value) versus a “disc herniation” (higher value). Adjusters are often encouraged to use lower codes, directly impacting your settlement.

How Attorney911 Counters: Lupe’s experience means we know how to present medical records to show the true severity of your injuries, pushing for the higher valuation codes. We understand how to beat the algorithm with proper documentation and aggressively challenge artificially low valuations suggested by Colossus. We ensure that your recovery accurately reflects the true impact of your injuries, not just a computer’s limited assessment.

Tactic #7: The Medical Authorization Trap

What Insurance Companies Do: They request you sign a broad medical authorization form, claiming they need your medical records to process your claim.

What They’re Really Doing: They are looking for access to your ENTIRE medical history, often going back years, hoping to uncover any pre-existing conditions.

How Attorney911 Counters: We never let our clients sign broad medical authorizations. We limit what they see, only providing records directly relevant to the current accident and injuries within specific date ranges. Lupe knows this tactic well, as he requested such broad authorizations during his defense career. We protect your privacy and prevent them from unfairly using a past sports injury from high school in New Hampshire, for example, to deny a current accident-related claim.

Tactic #8: Gaps in Treatment Attack

What Insurance Companies Do: They scrutinize your medical records for any “gaps” in treatment—missing a physical therapy appointment, delays between doctor visits, or stopping treatment early. They use these gaps to argue that your injuries weren’t serious or resolved within the gap, aiming to reduce your settlement.

How Attorney911 Counters: We work closely with our clients to ensure consistent medical treatment. If there are legitimate reasons for gaps (e.g., inability to afford copays, transportation issues, a doctor being booked out in a busy New Hampshire city like Manchester), we meticulously document these reasons. Lupe, having used these “gap” arguments himself, knows how to proactively address them and prevent insurance companies from unfairly minimizing your claim.

Tactic #9: The Policy Limits Bluff

What Insurance Companies Do: They will often quickly claim that the at-fault driver only has the minimum insurance coverage required by New Hampshire law (e.g., $25,000 Bodily Injury Liability), stating, “That’s the policy limit; we can’t pay more. Take it or leave it.”

What They’re Really Doing: They are hoping you won’t investigate further. They may be hiding additional layers of coverage, such as umbrella policies, commercial policies (if the driver was working), or corporate policies.

How Attorney911 Counters: We aggressively investigate ALL available insurance coverage. We will demand full policy disclosure, search for umbrella policies, and identify any corporate or employer coverage that might apply. Our firm found one client had $8 million in available coverage, not the $30,000 claimed by insurance, resulting in a $3.2 million recovery for the client instead of $30,000. Lupe’s deep understanding of insurance structures allows us to uncover hidden policies that other attorneys might miss, making a monumental difference in your recovery in New Hampshire.

This comprehensive counter-intelligence system is why Attorney911 is the right choice for your motor vehicle accident claim in New Hampshire. We expose their tactics because we know their playbook, and we use that knowledge to fight for every dime you deserve.

Medical Knowledge Encyclopedia: Understanding Your Injuries in New Hampshire

Suffering an injury in a motor vehicle accident in New Hampshire is not just a physical ordeal; it’s a profound legal one. Understanding the nature and prognosis of your injuries is paramount to securing fair compensation. Insurance companies constantly try to minimize injuries, but at Attorney911, we leverage deep medical knowledge and top experts to prove the full extent of your harm.

Traumatic Brain Injury (TBI): The Silent Epidemic

A Traumatic Brain Injury (TBI) is one of the most devastating consequences of a motor vehicle accident on a New Hampshire road. Even a seemingly minor “fender bender” in Manchester or a hard stop on I-93 can cause a concussion (mild TBI), and more severe impacts lead to life-altering damage.

Immediate vs. Delayed Symptoms:

• Immediate: Loss of consciousness (even brief), confusion, disorientation, vomiting, seizures, severe headache, dilated pupils, slurred speech.
• Delayed (CRITICAL): Worsening headaches days later, repeated vomiting, new onset seizures, personality changes, mood swings, sleep disturbances, sensitivity to light/noise, and worsening memory problems. Insurance claims these delayed symptoms aren’t from the accident, but medical science proves symptom progression is normal for TBIs.

Severity Classifications:

• Mild TBI/Concussion: Brief loss of consciousness or altered mental state. Can have long-term effects like post-concussive syndrome.
• Moderate TBI: Loss of consciousness lasting minutes to hours, often resulting in lasting cognitive impairment.
• Severe TBI: Extended unconsciousness or coma, leading to probable permanent disability and lifelong care needs.

Long-Term Complications: TBIs can lead to chronic traumatic encephalopathy (CTE), post-concussive syndrome, increased dementia risk, personality and mood disorders (depression, anxiety), seizure disorders, and severe cognitive impairment (memory loss, difficulty concentrating impacting daily life in New Hampshire). Attorney911 secured a multi-million dollar settlement for a client who suffered a brain injury with vision loss, demonstrating our commitment to fighting for victims of these catastrophic injuries.

Spinal Cord Injury (SCI): A Life Transformed

A Spinal Cord Injury (SCI) is one of the most dire outcomes of a high-impact collision or crushing injury in New Hampshire. The direct impact on the spine can result in partial or complete paralysis.

Injury Levels and Impact:

• Cervical Spine (Neck: C1-C8):
  • High (C1-C4): Quadriplegia (paralysis of all four limbs), often requiring ventilator dependence and 24/7 care.
  • Low (C5-C8): Quadriplegia with some arm/hand function, but still wheelchair-dependent.
• Thoracic Spine (Mid-Back: T1-T12):
  • Paraplegia: Lower body paralysis, often wheelchair-dependent.
• Lumbar Spine (Lower Back: L1-L5): Varying degrees of leg weakness or paralysis. Bowel/bladder dysfunction is common.

Secondary Complications: Beyond paralysis, SCIs lead to pressure sores, respiratory complications, bladder dysfunction, sexual dysfunction, life-threatening autonomic dysreflexia, and high rates of depression, significantly shortening life expectancy and demanding immense lifetime care. We fight for full compensation to cover these extensive needs for affected clients in New Hampshire.

Amputation: The Irreversible Loss

Amputation, either traumatic at the scene of an accident in New Hampshire or requiring surgical intervention due to severe crush injuries, infection, or lack of blood flow, represents an irreversible loss with profound physical and psychological consequences.

Types and Levels: Amputations can range from fingers and toes to full limbs (arms, legs). Above-knee amputations are more challenging and require more expensive prosthetics than below-knee.
Phantom Limb Pain: A majority of amputees experience phantom limb pain—the sensation of pain in the limb that is no longer there—which can be chronic, debilitating, and require lifelong management.
Impact on Life: Amputation profoundly impacts mobility, independence, career, and quality of life in New Hampshire. Our firm secured a multi-million dollar settlement for a client whose leg injury from a car accident required a partial amputation due to staff infections, highlighting our dedication to these complex, high-value cases.

Burn Injuries: Beyond the Skin

Burn injuries, commonly seen in accidents involving vehicle fires or chemical spills on New Hampshire roadways, are among the most painful and disfiguring.

Classifications: Burns are categorized by depth:

• First-degree: Superficial (like a sunburn).
• Second-degree: Blistering, severe pain, potential scarring.
• Third-degree: Full thickness, destroying all skin layers, always results in scarring and often requires skin grafting.
• Fourth-degree: Extends into muscle and bone, often leading to amputation.

Body Surface Area Impact: Severe burns affecting more than 20% of the body require treatment in specialized burn centers and multiple surgeries. The long-term impact includes excruciating pain, permanent disfigurement, mobility issues, and profound psychological trauma.

Herniated Disc: Persistent Back and Neck Pain

Herniated discs are a very common injury in motor vehicle accidents, particularly from rear-end collisions in New Hampshire. The force of impact can cause the soft cushioning discs between vertebrae to rupture, pressing on nerves and causing debilitating pain, numbness, and weakness.

Treatment Timeline: Treatment often progresses from acute pain management (medications, rest) to conservative therapies (physical therapy, chiropractic, epidural steroid injections). If these fail, surgery (microdiscectomy or spinal fusion) may be necessary.
Permanent Restrictions: A severe herniated disc can prevent individuals from returning to physically demanding jobs, leading to significant lost earning capacity and chronic pain. Lupe Peña’s knowledge of how insurance companies analyze medical records helps us counter arguments about pre-existing conditions and ensure proper valuation of disc injuries.

Soft Tissue Injuries: Often Underestimated

Whiplash, sprains, and strains are often labeled “soft tissue injuries” by insurance companies, a term they use to undervalue these claims. However, these injuries can be incredibly painful, persistent, and debilitating, significantly impacting daily life in New Hampshire.

Why Serious: While not visible on X-rays and often initially dismissed, soft tissue injuries can lead to chronic pain syndromes, limited range of motion, and persistent headaches for years. They can also mask more serious underlying issues such as rotator cuff tears or nerve damage.
Documentation Is Key: Our firm emphasizes consistent medical treatment, detailed pain descriptions to doctors, and, where appropriate, MRI imaging to objectively prove the injury’s true severity. We know how insurance companies like to downplay these injuries, and we fight to ensure you receive fair compensation for the pain and suffering they cause.

Psychological Injuries: The Invisible Scars

Beyond the physical wounds, motor vehicle accidents in New Hampshire leave invisible scars. Psychological injuries, such as Post-Traumatic Stress Disorder (PTSD), anxiety, and depression, are common and can be just as debilitating as physical pain.

Symptoms: Victims may experience debilitating fear of driving, panic attacks when getting into a car, flashbacks, nightmares, sleep disturbances, heightened anxiety, and an inability to enjoy activities they once loved.
Compensable Damages: New Hampshire law allows for compensation for mental anguish, emotional distress, and loss of enjoyment of life. We work with mental health professionals to document the profound psychological impact of your accident, ensuring these invisible scars are recognized and compensated in your claim.

If you are struggling with pain, physical limitations, or emotional trauma after an accident in New Hampshire, you are not alone. Our understanding of these complex medical realities, coupled with our legal expertise, allows us to build the strongest possible case for your recovery.

Why Choose Attorney911 for Your New Hampshire Motor Vehicle Accident

When you or a loved one is impacted by a motor vehicle accident in New Hampshire, the choice of legal representation can be the most critical decision you make. You need more than just a lawyer; you need a powerful advocate with a proven track record, insider knowledge, and unwavering commitment. At Attorney911, a trade name of The Manginello Law Firm, PLLC, we offer unique advantages that set us apart from other firms, ensuring you receive the personalized attention and aggressive representation necessary to secure maximum compensation.

Advantage 1: Insurance Defense Insider – Lupe Peña Knows Their Playbook

“Lupe Peña worked for a number of years at a national defense firm, learning firsthand how large insurance companies value claims.”

This is our firm’s most powerful differentiator and your unfair advantage. Our associate attorney, Lupe Peña, spent years on the other side, defending insurance companies in high-stakes personal injury cases. He knows:

• Their tactics: How they try to minimize injuries, shift blame, and delay settlements.
• Their valuation methods: The algorithms and software (like Colossus) they use to calculate lowball offers.
• Their weaknesses: The specific arguments and evidence that scare them into paying fair compensation.

No other firm in New Hampshire can offer this level of true insider knowledge. We anticipate their strategies before they even deploy them because Lupe used those very strategies. This allows us to protect you from their manipulative tactics and push for the compensation you genuinely deserve.

Advantage 2: Multi-Million Dollar Results – We Don’t Settle Cheap

Our proven track record speaks for itself. Attorney911 has consistently achieved multi-million dollar settlements and verdicts for victims of severe motor vehicle accidents.

• Brain Injuries: We secured a multi-million dollar settlement for a client who suffered a brain injury with vision loss.
• Amputations: In a challenging case, our client’s leg injury from a car accident led to a partial amputation, and this case settled in the millions.
• Trucking Wrongful Death: Our firm has helped numerous families facing tragic trucking-related wrongful death cases recover millions of dollars in compensation.

These results are not just numbers; they demonstrate our trial readiness, our meticulous investigation, and our unwavering commitment to fighting for maximum compensation. Insurance companies in New Hampshire know our reputation—we will not back down and we will not accept lowball offers.

Advantage 3: Federal Court Experience – Ready for Complex Cases

Ralph Manginello, our founding partner, is admitted to practice in the U.S. District Court, an essential credential for complex cases that often involve federal regulations or out-of-state defendants.

Why This Matters for Your Case in New Hampshire:

• Trucking Accidents: Many commercial trucking regulations (FMCSA) are federal, and cases involving 18-wheelers often proceed in federal court.
• Product Liability: Cases against large manufacturers (e.g., in Tesla Autopilot accidents) frequently involve federal jurisdiction.
• Complex Litigation: Federal courts handle intricate, high-stakes cases that demand a different level of legal expertise and procedural understanding.

Our firm’s involvement in BP explosion litigation further highlights our capability to take on billion-dollar corporations in large-scale, complex lawsuits that most firms cannot handle. This experience means we are prepared for any legal challenge your case in New Hampshire might present.

Advantage 4: Personal Attention – You’re Family, Not a File Number

We pride ourselves on providing a level of personal attention that high-volume “settlement mills” or impersonal national firms simply cannot match. We believe that to effectively fight for you, we must truly understand you and your story.

Our clients consistently praise our dedicated staff and attorneys:

• As Chad Harris powerfully states: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”
• Ambur Hamilton shared, “I never felt like ‘just another case’ they were working on.”
• Dame Haskett noted: “Consistent communication and not one time did i call and not get a clear answer…Ralph reached out personally.”
• Stephanie Hernandez praised our case manager Leonor: “When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.”

At Attorney911, you work directly with Ralph Manginello or Lupe Peña, supported by a compassionate and responsive team like Leo Lopez, Melanie, Amanda, and Zulema. Your case in New Hampshire will receive the dedicated attention it deserves.

Advantage 5: Contingency Fee – No Risk to You (“We Don’t Get Paid Unless We Win”)

We understand that after a serious accident in New Hampshire, financial stress can be overwhelming. You may be unable to work, facing mounting medical bills, and worrying about how to afford legal help.

Our contingency fee structure removes this burden entirely:

• Free Consultation: Your initial consultation with us is always free, with no obligation.
• No Upfront Costs: You pay absolutely nothing out of pocket to hire us.
• We Advance All Expenses: We cover all case-related costs—from investigation to filing fees and expert witness expenses.
• We Don’t Get Paid Unless We Win: Our fee is a percentage of the compensation we recover for you. If we don’t win your case, you owe us nothing for attorney fees. You may still be responsible for court costs and case expenses regardless of outcome.

This commitment means we share the risk with you. It motivates us to fight relentlessly for the highest possible settlement or verdict for our clients in New Hampshire.

Choosing Attorney911 means choosing a legal team that combines aggressive litigation with compassionate client care and invaluable insider knowledge. If you’ve been injured in an accident in New Hampshire, you deserve nothing less. Call 1-888-ATTY-911 now for a free consultation. Hablamos Español.

Frequently Asked Questions About Motor Vehicle Accidents in New Hampshire

Navigating the aftermath of a motor vehicle accident in New Hampshire can be confusing. We’ve compiled answers to some of the most common questions our clients ask. This information is purely for educational purposes and is not a substitute for legal advice.

Immediate After Accident

1. What should I do immediately after a car accident in New Hampshire?
If you’ve been in an accident in New Hampshire, prioritize safety. Move to a safe location if possible, call 911 to report the incident and request medical help, collect comprehensive evidence (photos, witness info), and exchange insurance information. Do NOT admit fault. Then, call Attorney911 at 1-888-ATTY-911 before speaking to any insurance company.

2. Should I call the police even for a minor accident?
Yes, always call the police. A police report provides an official, neutral account of the accident, which is crucial evidence for your claim in New Hampshire. In New Hampshire, an accident must be reported if it involves death, injury, or property damage estimated at over $1,000.

3. Should I seek medical attention if I don’t feel hurt?
Absolutely. Many serious injuries, including whiplash, internal bleeding, and traumatic brain injuries, may not present symptoms immediately due to adrenaline. Delays in seeking medical care can be used by insurance companies to dispute the severity or connection of your injuries to the accident. Get checked at a medical facility like Dartmouth-Hitchcock or Catholic Medical Center.

4. What information should I collect at the scene?
Gather the other driver’s name, phone, address, driver’s license number, and insurance details. Also, get contact information from any witnesses. Take extensive photos and videos of all vehicle damage, the accident scene, and your injuries.

5. Should I talk to the other driver or admit fault?
Only exchange necessary contact and insurance information. Do NOT discuss fault, apologize, or say anything that could be interpreted as an admission, as this can severely harm your case in New Hampshire.

6. How do I obtain a copy of the accident report?
You can typically obtain a copy of your accident report from the New Hampshire State Police or the local police department that responded (e.g., Manchester Police Department, Concord Police Department). This usually involves filling out a request form and paying a small fee.

Dealing with Insurance

7. Should I give a recorded statement to insurance?
Never give a recorded statement to the other driver’s insurance company without legal counsel. For your own insurance, you have a duty to cooperate, but always speak with Attorney911 first. We will advise you on how to proceed, protecting your rights.

8. What if the other driver’s insurance contacts me?
Politely tell them, “I need to speak with my attorney first.” Provide only your name and the date of the accident. Do not discuss details of the crash, your injuries, or fault. Refer all further communication to Attorney911.

9. Do I have to accept the insurance company’s estimate?
No. An insurance company’s estimate for damages is simply an offer. It is typically a lowball offer designed to save them money. Attorney911 will assess the true value of your damages and fight for a fair settlement.

10. Should I accept a quick settlement offer?
Absolutely not. Early settlement offers are almost always a fraction of what your case is truly worth. Once you sign a release, you cannot pursue further compensation, even if new medical issues arise from the accident in New Hampshire.

11. What if the other driver is uninsured/underinsured?
If the at-fault driver has no insurance or insufficient insurance, your own Uninsured/Underinsured Motorist (UM/UIM) coverage acts as a safety net. Attorney911 can help you pursue a claim against your own policy to cover your damages. Learn more in our video: “Uninsured & Underinsured Motorists” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

12. Why does insurance want me to sign a medical authorization?
They want blanket access to your entire medical history (often years back) to find pre-existing conditions they can blame for your current injuries, even if the accident aggravated them. Never sign a medical authorization without your attorney’s review and limitations.

Legal Process

13. Do I have a personal injury case?
You may have a case if someone else’s negligence caused you to suffer injuries and damages. This includes car accidents, truck accidents on I-89, motorcycle crashes, and pedestrian accidents in New Hampshire. A consultation with Attorney911 can determine if you have a viable claim. Watch our video: “Do I Have a Good Case?” at https://www.youtube.com/watch?v=j-PMMP5Jims

14. When should I hire a car accident lawyer?
Immediately. The sooner you hire an attorney after an accident in New Hampshire, the quicker they can begin preserving evidence, gathering witness statements, and protecting you from insurance company tactics.

15. How much time do I have to file (statute of limitations)?
In New Hampshire, you generally have three years from the date of the accident to file a personal injury lawsuit. Missing this deadline means you lose your right to pursue compensation forever.

16. What is comparative negligence and how does it affect me?
New Hampshire uses a 50% modified comparative negligence rule. If you are found to be 50% or less at fault, you can recover damages, but they will be reduced by your percentage of fault. If you are 51% or more at fault, you cannot recover any damages. This rule makes skilled legal representation crucial. Watch our video: “What Is Comparative Negligence?” at https://www.youtube.com/watch?v=agzHKY_v9l4

17. What happens if I was partially at fault?
You can still recover compensation in New Hampshire if you were 50% or less at fault for the accident, but your award will be reduced proportionally. For example, if you are 20% at fault, you receive 80% of your total damages.

18. Will my case go to trial?
Most personal injury cases settle before going to trial. However, Attorney911 prepares every case as if it will go to trial. This readiness demonstrates to insurance companies that we are serious, which often leads to more favorable settlements. Watch our video: “Will Your Case Go to Trial?” at https://www.youtube.com/watch?v=2Ed5AnmCMcc

19. How long will my case take to settle?
The timeline varies depending on the severity of your injuries, the complexity of the case, and the willingness of the insurance company to negotiate fairly. Minor cases might resolve in 6-9 months, while complex cases with catastrophic injuries can take 1-2 years or more. We won’t settle until you have reached Maximum Medical Improvement (MMI).

20. What is the legal process step-by-step?
The process typically involves investigation and evidence gathering, medical treatment until MMI, sending a demand package to the insurance company, negotiation, and if necessary, filing a lawsuit, discovery, mediation, and potentially trial. Watch our video: “What Is the Process for a Personal Injury Claim?” at https://www.youtube.com/watch?v=XwzYymneDVs

Compensation

21. What is my case worth?
The value of your case depends on many factors in New Hampshire, including the severity and permanence of your injuries, medical costs (past and future), lost wages and earning capacity, pain and suffering, available insurance coverage, and liability. Cases can range from tens of thousands for soft tissue injuries to millions for catastrophic injuries.

22. What types of damages can I recover?
In New Hampshire, you can seek “economic damages” (medical expenses, lost wages, property damage) and “non-economic damages” (pain and suffering, mental anguish, physical impairment, disfigurement, loss of enjoyment of life). Punitive damages may also be available in rare cases of egregious conduct.

23. Can I get compensation for pain and suffering?
Yes. New Hampshire law allows for compensation for pain and suffering, which falls under non-economic damages. There are generally no caps on pain and suffering damages in personal injury cases in the state.

24. What if I have a pre-existing condition?
You can still recover. If the accident aggravated or worsened a pre-existing condition, you are entitled to compensation for that aggravation. This is known as the “eggshell skull” rule (you take the victim as you find them). We work with medical experts to differentiate between your prior condition and the new harm caused by the accident.

25. Will I have to pay taxes on my settlement?
Generally, compensation received for physical injuries and medical expenses (past and future) is not taxable. However, compensation for punitive damages or emotional distress that is not tied to a physical injury may be taxable. It’s always best to consult a tax professional.

26. How is the value of my claim determined?
The value is determined by assessing all economic damages, a multiplier for non-economic damages (based on injury severity), future medical needs, lost earning capacity, comparable verdicts or settlements in New Hampshire, and available insurance coverage.

Attorney Relationship

27. How much do car accident lawyers cost?
Attorney911 works on a contingency fee basis. This means you do not pay any attorney fees upfront. We only get paid if we win your case, and our fee is a percentage of the compensation we recover for you. If we don’t win, you owe us nothing for attorney fees. You may still be responsible for court costs and case expenses regardless of outcome. Watch our video: “How Do Contingency Fees Work?” at https://www.youtube.com/watch?v=upcI_j6F7Nc

28. What does “no fee unless we win” mean?
It means there is no financial risk to you. We cover all case expenses and attorney fees until we secure a settlement or verdict in your favor. If we don’t succeed, you owe us nothing for attorney fees.

29. How often will I get updates?
Communication is a cornerstone of our practice. As client Dame Haskett stated, we provide “consistent communication and not one time did I call and not get a clear answer.” We ensure you are informed throughout your case.

30. Who will actually handle my case?
At Attorney911, you work directly with experienced attorneys like Ralph Manginello and Lupe Peña, supported by our dedicated team of paralegals and legal assistants. As Chad Harris affirmed, “You are NOT just some client…You are FAMILY to them.” Your case isn’t just handed off to junior staff.

31. What if I already hired another attorney?
You have the right to switch legal representation if you are unhappy with your current attorney. Many of our clients come to us after feeling underserved by other firms. As Greg Garcia said, “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” We can discuss taking over your case and handle the transition seamlessly.

Mistakes to Avoid

32. What common mistakes can hurt my case?
Major mistakes include giving recorded statements to insurance without legal counsel, accepting quick settlements, delaying medical treatment, having gaps in treatment, posting on social media, or signing any documents without attorney review. These actions can severely undermine your claim. Watch our video: “Client Mistakes That Can Ruin Your Case” at https://www.youtube.com/watch?v=r3IYsoxOSxY

33. Should I post about my accident on social media?
No. Absolutely not. Insurance companies actively monitor social media for any posts, photos, or activities that could be used to minimize your injuries or contradict your claims. Set all profiles to private and refrain from posting about the accident or your recovery.

34. Why shouldn’t I sign anything without a lawyer?
Documents from insurance companies (releases, medical authorizations) are binding legal contracts. Signing them without understanding their implications can permanently waive your rights, give away your privacy, or close your case with an inadequate settlement. Your attorney protects you from these traps.

35. What if I didn’t see a doctor right away?
See a doctor immediately, even if it’s been a few days or weeks. Explain that you initially underestimated your injuries or were in shock. Delayed onset of symptoms is common for many accident injuries, and early medical documentation is still vital for your claim.

Additional Common Questions

36. What if I have a pre-existing condition?
You can still recover. If the accident aggravated or worsened your pre-existing condition, you’re entitled to compensation for the aggravation. This is called the “eggshell plaintiff” rule: the defendant takes the victim as they find them. For example, if you had mild occasional back pain, but the accident caused a herniated disc requiring surgery, you recover for the new injury or the worsening of the old one. We hire medical experts to prove the difference, and Lupe knows how insurance companies typically attack pre-existing conditions because he used this defense often. Don’t let them deny your valid claim in New Hampshire.

37. Can I switch attorneys if I’m unhappy with my current lawyer?
Yes, you can fire your attorney at any time. If your attorney is not communicating effectively, pushing you to settle for less than your case is worth, or isn’t fighting aggressively for you, you have the right to seek new representation. Attorney911 has taken over many cases from other attorneys where clients were dissatisfied. As client Greg Garcia shared: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” Call 1-888-ATTY-911 for a free and confidential discussion about switching.

38. What if the insurance company is my own insurance (UM/UIM claim)?
When pursuing an Uninsured/Underinsured Motorist (UM/UIM) claim, you are claiming against your own insurance when the other driver has no insurance or insufficient coverage. Be aware that your own insurance company will often treat you like an adversary, just as the other driver’s insurer would. You still need an attorney to fight for your rights against them. New Hampshire allows for UM/UIM stacking (combining coverage from multiple vehicles on your policy), a crucial aspect we explore to maximize your recovery. Lupe’s insider insurance knowledge is critical for navigating these complex claims and maximizing your UM/UIM recovery.

39. How do you calculate pain and suffering?
While there’s no precise formula, pain and suffering are typically calculated using a multiplier method: medical expenses multiplied by a factor (e.g., 1.5 to 5). The multiplier depends on the severity and permanence of your injuries, their impact on your life in New Hampshire, and clear liability. For example, $100,000 in medical bills multiplied by a 4x multiplier for severe injuries would yield $400,000 for pain and suffering. Lupe Peña calculated these for years as a defense attorney, so he knows how to justify higher multipliers for your case.

40. What if I was hit by a government vehicle (city bus, police car, etc.)?
Accidents involving government vehicles in New Hampshire are subject to specialized laws, including governmental immunity and often much shorter notice requirements (sometimes as little as 60-90 days). These cases are significantly more complex and demand immediate legal attention. You need an experienced attorney like Ralph Manginello, whose background includes fighting against large entities, to navigate these specific procedural hurdles and maximize your chances of recovery while complying with all state regulations. Call 1-888-ATTY-911 immediately if affected.

41. What if the other driver fled the scene (hit and run)?
If you’re a victim of a hit and run in New Hampshire, your own Uninsured Motorist (UM) coverage is crucial, as it typically covers your damages when the at-fault driver is unknown. Filing a police report immediately is vital, as hit and run is a criminal offense. Time is of the essence: surveillance footage from businesses near the scene (e.g., on Elm Street in Manchester or near the Hooksett rest stops) is often deleted within 7-30 days. We send preservation letters immediately to secure this critical evidence. Attorney911 has a strong track record of securing substantial settlements in hit and run cases through UM claims.

42. What if I’m an undocumented immigrant—can I still file a claim?
Yes. Your immigration status in New Hampshire does NOT affect your right to seek compensation for injuries caused by someone else’s negligence. You are entitled to the same legal protections and opportunities for recovery as any other accident victim. Your case is confidential, and we protect your privacy. Lupe Peña is fluent in Spanish, and our team is ready to assist you. Call 1-888-ATTY-911—we protect your rights regardless of your immigration status.

43. What if the accident happened in a parking lot?
Parking lot accidents are fully compensable. Insurance companies often try to argue “parking lot accidents are always 50/50 fault,” which is a false claim. We prove fault through surveillance video, witness statements, and damage analysis. New Hampshire’s comparative negligence rules apply. We’ve won many parking lot cases by clearly establishing the other driver’s liability, even in crowded lots at the Mall of New Hampshire in Manchester or near Hampton Beach.

44. What if I was a passenger in the at-fault vehicle?
If you were an innocent passenger in an at-fault vehicle (whether driven by a friend, family member, or rideshare driver) in New Hampshire, you can pursue a claim against that driver’s insurance. As an innocent victim, you typically bear no comparative fault. We handle these situations with sensitivity, ensuring your rights are protected without you having to navigate difficult personal conversations.

45. What if the other driver died in the accident?
Even if the at-fault driver tragically died in the accident, you can still pursue a claim for your injuries against their estate and their insurance policy. Death does not eliminate liability, and the insurance policy remains active. These cases can be emotionally sensitive but are legally actionable. We handle such situations with the utmost professionalism while aggressively protecting your right to compensation.

Call Attorney911: Your Legal Emergency Response in New Hampshire

The road to recovery after a motor vehicle accident in New Hampshire can be long and challenging, but you don’t have to walk it alone. At Attorney911, a trade name of The Manginello Law Firm, PLLC, we stand ready to be your steadfast advocate, providing aggressive legal representation and compassionate support.

Don’t let the insurance companies dictate your future. They are not on your side, and every day you delay can jeopardize your claim. Evidence disappears, memories fade, and the at-fault party’s insurers are already building a case against you.

Our commitment to you is clear:

• Experience That Counts: With over 25 years of experience, Ralph Manginello leads a firm renowned for securing multi-million dollar results for accident victims.
• Insider Advantage: Our associate attorney, Lupe Peña, brings invaluable insider knowledge from his years working for insurance defense firms, giving us an unmatched edge in negotiations and litigation.
• No Win, No Fee: We work on a contingency fee basis. You pay nothing upfront, and we don’t get paid unless we win your case. You may still be responsible for court costs and case expenses regardless of outcome.
• Personalized Service: You’re not just a case number. We treat every client like family, providing consistent communication and direct access to our experienced legal team.
• ** Statewide Reach**: From our offices in Texas, we serve clients across all of New Hampshire, from the Seacoast to the White Mountains. We handle cases in cities like Manchester, Nashua, Concord, Dover, and throughout the state.

If you or a loved one has been injured in a motor vehicle accident in New Hampshire, your legal emergency response starts here.

Call 1-888-ATTY-911 now for your free, no-obligation consultation.

Hablamos Español. Our team, including Lupe Peña and Zulema, is ready to assist our Spanish-speaking clients.

Visit our website for more resources: https://attorney911.com

Explore our extensive library of educational videos on YouTube: https://www.youtube.com/@Manginellolawfirm (200+ videos covering various aspects of personal injury law).

Listen to “Attorney 911 The Podcast,” hosted by Ralph Manginello, on Apple Podcasts for real-world cases, valuable insights, and practical tips. https://podcasts.apple.com/bj/podcast/attorney-911/id1773141988

Your fight for justice in New Hampshire begins with one call. Let Attorney911 fight for you.