A car accident can be a traumatic and stressful experience. In the event of a car accident in Manchester, New Hampshire, there are several steps you should take to ensure your safety, protect your legal rights, and obtain compensation for any injuries or damages.
What to Do After a Car Accident in New Hampshire
1. Ensure Safety
The first and most important thing to do after a car accident is to ensure everyone’s safety. If you or anyone else is injured, call 911 immediately for medical assistance. If there are no injuries, move your vehicle to a safe location, such as the side of the road or a parking lot. Turn on your hazard lights to warn other drivers.
2. Call for Help
Once everyone is safe, you should call the police to report the accident. The police will create a report documenting the accident and any injuries or damages. This report will be crucial in your insurance claim and any legal proceedings that may arise.
3. Exchange Information
Exchange contact information with the other driver or drivers involved in the accident, including their name, address, phone number, and insurance information. You should also gather contact information from any witnesses to the accident. Take photos of the accident scene, including any damages to your vehicle and other vehicles involved in the accident.
4. Contact Your Insurance Company
Notify your insurance company of the accident as soon as possible. Provide them with any relevant information, including the police report and photos of the accident. Your insurance company will guide you through the claims process and help you obtain compensation for any damages.
5. Seek Medical Attention
Even if you don’t feel injured immediately after the accident, it’s important to see a doctor to assess any injuries. Some injuries, such as whiplash, may not manifest until several hours or even days after the accident. Keep records of all medical treatment, including doctor visits, prescriptions, and rehabilitation.
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Laws and Statutes Governing Automobile Accidents in New Hampshire
New Hampshire has several laws and statutes governing automobile accidents. It’s essential to be aware of these laws to ensure your legal rights are protected.
Statute of Limitations
New Hampshire has a three-year statute of limitations for personal injury claims. This means that you have three years from the date of the accident to file a claim for any injuries sustained in the accident. The statute of limitations for property damage claims is also three years. If you fail to file a claim within this time frame, you may be unable to recover any damages.
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Comparative Negligence
New Hampshire follows the modified comparative negligence rule. This means that your compensation will be reduced by your percentage of fault in the accident. For example, if you were found to be 20% at fault for the accident, your compensation will be reduced by 20%. If you were found to be more than 50% at fault, you may be unable to recover any damages.
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Mandatory Insurance
New Hampshire requires drivers to have liability insurance. The minimum coverage is $25,000 for bodily injury and $25,000 for property damage. It’s important to note that liability insurance only covers damages you cause to other people’s property or injuries. You may want to consider additional insurance, such as collision coverage, to protect your vehicle.
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No-Fault Insurance
New Hampshire is not a no-fault insurance state. This means that you can pursue a claim against the other driver’s insurance company regardless of fault. However, if you have no
fault insurance coverage, you may be able to recover damages from your own insurance company for medical bills and lost wages regardless of who was at fault for the accident.
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Uninsured/Underinsured Motorist Coverage
New Hampshire also requires drivers to have uninsured/underinsured motorist coverage. This coverage provides compensation for injuries or damages caused by a driver who is uninsured or does not have sufficient insurance coverage. The minimum coverage for uninsured/underinsured motorist coverage is $25,000 for bodily injury and $50,000 per accident.
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Benefits of Hiring a Car Accident Lawyer in New Hampshire
While it’s possible to handle a car accident claim on your own, hiring a car accident lawyer can provide several benefits.
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1. Legal Expertise
Car accident lawyers have expertise in the laws and regulations governing automobile accidents in New Hampshire. They can help you navigate the legal process and ensure your legal rights are protected.
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2. Insurance Negotiation
Car accident lawyers are skilled negotiators who can help you obtain a fair settlement from your insurance company. They can negotiate on your behalf to ensure you receive compensation for all damages, including medical bills, lost wages, and pain and suffering.
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3. Court Representation
If your claim is disputed or denied, a car accident lawyer can represent you in court. They can gather evidence, depose witnesses, and argue your case to ensure you receive fair compensation for your injuries and damages.
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4. Peace of Mind
Hiring a car accident lawyer can provide peace of mind during a stressful and difficult time. You can focus on recovering from your injuries while your lawyer handles the legal aspects of your claim.
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Being involved in a car accident can be a traumatic experience. However, by following the steps outlined above, you can ensure your safety, protect your legal rights, and obtain compensation for any injuries or damages.
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It’s essential to be aware of the laws and statutes governing automobile accidents in New Hampshire to ensure your legal rights are protected. Additionally, hiring a car accident lawyer can provide several benefits, including legal expertise, insurance negotiation, court representation, and peace of mind.
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Remember, if you are involved in a car accident in Manchester, New Hampshire, don’t panic. Take a deep breath, follow the steps outlined above, and seek the help of a car accident lawyer if necessary.
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