5. How the New Hampshire Settlement Calculator Works

This sophisticated calculator uses a multi-factor algorithm based on New Hampshire’s specific legal framework to estimate potential settlement values. The calculation follows this precise mathematical formula:

5.1 Economic Damages Calculation

Economic damages include all quantifiable financial losses resulting from the accident:

• Medical Expenses: All past and future medical treatment costs
• Lost Wages: Income lost due to recovery time and reduced earning capacity
• Other Expenses: Transportation to medical appointments, home care, and medical equipment

5.2 Non-Economic Damages (Pain & Suffering)

This calculator uses the “multiplier method,” which is commonly accepted in New Hampshire courts. The multiplier range (1-5x) is applied to economic damages based on:

• 1-2x: Minor injuries with complete recovery within weeks
• 2-3x: Moderate injuries requiring months of recovery
• 3-4x: Serious injuries with permanent effects
• 4-5x: Severe, life-altering injuries or disabilities

5.3 New Hampshire Fault Adjustment

New Hampshire RSA 507:7-d establishes the “modified comparative negligence” rule. The calculator automatically adjusts for fault:

• 0-50% Fault: Settlement reduced by your percentage of fault
• 51%+ Fault: No recovery permitted under NH law

5.4 Insurance Limits Factor

The calculator includes an insurance availability factor based on typical New Hampshire coverage levels. This reflects the reality that settlements cannot exceed available insurance coverage.