New Hampshire Pre-Settlement Funding

The only state without mandatory auto insurance. Funding while you work through the coverage gaps.

New Hampshire stands alone as the only state in the country that does not require drivers to carry auto insurance. When an uninsured driver causes a crash, the injured plaintiff faces a liability fight with no guaranteed coverage pool behind the at-fault party. There is no mandatory PIP to cover first-party medical bills either. New Hampshire personal injury cases, from White Mountain hiking accidents and ski resort injuries to I-93 truck crashes and Seacoast premises claims, often take a year or more to resolve while plaintiffs carry expenses with no no-fault backstop. New Hampshire pre-settlement funding advances cash against your active personal injury claim on a non-recourse basis. A New Hampshire lawsuit advance covers rent, medical bills, and daily costs while your attorney works toward a fair recovery. No win means no repayment.

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

Apply For Pre-settlement Funding

New Hampshire Qualification Requirements

Three conditions need to be in place before a New Hampshire funding application can reach underwriting. The case must be a personal injury action actively filed in New Hampshire. Your attorney must be handling it on contingency. And the filing must sit inside New Hampshire’s three-year statute of limitations. When all three align, underwriting builds an offer based on liability, available coverage, and documented damages.

Active New Hampshire Filing

A personal injury case actively filed in New Hampshire Superior Court or the federal District of New Hampshire (Concord). Our funding covers plaintiffs across all 10 New Hampshire counties, from Hillsborough and Rockingham in the south through Coos County in the far north.

New Hampshire Bar Contingency Attorney

Your attorney holds a New Hampshire Bar license and is working the case on contingency. All funding documentation moves between our team and your law firm. Out-of-state plaintiffs injured in New Hampshire are handled the same way as local filers when a licensed New Hampshire attorney is on the case.

Documentable Liability

Provable fault on the other party, real documented damages, and a defendant with accessible insurance or personal assets. Given New Hampshire’s no-mandatory-insurance environment, coverage verification is a key part of underwriting on auto cases. Credit score and income play no role.

Case Types We Fund in New Hampshire

Six categories cover the New Hampshire personal injury filings we fund most often. Each goes through individual underwriting on liability, coverage, and damages.

Auto Accidents

I-93 and I-95 corridor crashes, Manchester and Nashua metro incidents, uninsured driver liability claims where the at-fault party carried no coverage, and underinsured motorist cases across all 10 New Hampshire counties.

Outdoor Recreation & Ski Injuries

White Mountain hiking and trail injuries, Mount Washington weather-related incidents, ski and snowboard accidents at Attitash, Loon Mountain, Bretton Woods, and Cannon Mountain where resort negligence exceeds the RSA 225-A assumed-risk framework.

Premises & Slip and Fall

Hampton Beach and Seacoast commercial property claims, Manchester and Concord retail and restaurant incidents, winter ice and snow falls at negligently maintained properties, and hotel and resort premises injuries statewide.

Workplace & Manufacturing

Mill town legacy industrial injuries, technology corridor workplace accidents in Manchester and Nashua, logging and forestry injuries in northern New Hampshire, and third-party claims that fall outside New Hampshire workers’ compensation coverage.

Medical Malpractice

Surgical errors and diagnostic failures at Dartmouth-Hitchcock Medical Center (Lebanon), Elliot Hospital and Catholic Medical Center (Manchester), and Portsmouth Regional Hospital; birth injury claims under New Hampshire’s 3-year discovery-based med mal statute.

Wrongful Death & Trucking

Wrongful death actions under RSA 556:11, I-93 and US-3 commercial truck claims on the Boston-to-Montreal freight corridor, and product liability or pharmaceutical MDL filings in the District of New Hampshire.

Get your New Hampshire lawsuit advance moving today

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Or call us toll-free at (800) 961-8924.

New Hampshire Pre-Settlement Funding Laws and Regulations

New Hampshire is the only state in the country that does not require drivers to carry auto insurance, creating a distinct coverage landscape for personal injury plaintiffs. There is no mandatory PIP requirement. A three-year statute of limitations governs most personal injury and wrongful death claims. Modified comparative fault bars recovery when the plaintiff’s fault exceeds that of the defendant or defendants combined. Each New Hampshire lawsuit funding decision works within these rules. Confirm specifics with your attorney before relying on the data below.

Statute of Limitations for Personal Injury

General negligence / personal injury: 3 years under RSA 508:4 ^[1]
Medical malpractice: 3 years from the date the plaintiff discovers or should have discovered the injury (RSA 507-C:4)
Wrongful death: 3 years from the date of death (RSA 556:11)
Product liability: 3 years from injury

New Hampshire medical malpractice runs on a discovery rule — the 3-year clock starts when the plaintiff discovers or reasonably should have discovered the injury, not necessarily the date of the negligent act. Government claims against New Hampshire state or municipal entities may require written notice; confirm the specific notice requirements with your attorney before filing.

Auto Insurance Requirements

Auto insurance: NOT REQUIRED — New Hampshire is the only state in the US that does not mandate auto insurance ^[2]
If insurance is voluntarily carried, minimum BI: $25,000 per person / $50,000 per accident
If insurance is voluntarily carried, minimum PD: $25,000
Personal Injury Protection (PIP): Not required
UM/UIM: Not automatically required, but available and recommended

New Hampshire drivers must demonstrate financial responsibility but are not required to purchase automobile liability insurance. This makes coverage verification a critical step on every New Hampshire auto injury funding application. When the at-fault driver carried no insurance and the plaintiff has no UM coverage, recovery may require a direct civil judgment — a longer and less certain path than a standard liability claim.

Comparative Fault Rule

Modified comparative fault under RSA 507:7-d
Plaintiff’s fault must not exceed the combined fault of all defendants
If plaintiff’s fault is greater than 50%, recovery is barred
At 50% or less fault, damages are reduced proportionally by the plaintiff’s fault share

How to Apply for New Hampshire Pre-Settlement Funding

Most New Hampshire files move from application to funded account in 24 to 48 hours.

Apply Today

Submit case details through the form at the top of this page or call (800) 961-8924. New Hampshire applications take under five minutes to complete.

File Review

Our team contacts your New Hampshire attorney to gather case documents. Coverage verification is part of the underwriting process on auto cases. Most decisions come back same day or next business day.

Funds Delivered

Once you and your attorney sign the funding agreement, the ACH goes out. Most New Hampshire plaintiffs see the deposit within 24 hours of execution.

New Hampshire Plaintiff FAQ

Why does New Hampshire’s no-mandatory-insurance law matter for pre-settlement funding?

When the at-fault driver carried no insurance and the injured plaintiff has no UM/UIM coverage either, recovery requires a direct civil judgment against the individual. That path takes longer and carries more uncertainty than a standard liability claim. A New Hampshire lawsuit advance covers living costs during that extended process without requiring any financial qualification from the plaintiff.

Do ski resort injury cases qualify for New Hampshire pre-settlement funding?

They can. RSA 225-A assigns certain risks to the skier, but when resort negligence — a defective lift, a poorly marked obstacle, an inadequately trained employee — is the cause, a claim can proceed past the assumed-risk framework. Cases where liability clears that threshold with a contingency attorney on the file qualify for funding review.

Are White Mountain hiking and trail injuries fundable?

Yes, when third-party negligence is the cause. Trail conditions maintained by a private operator, equipment failures on a guided tour, another party’s actions, or property owner negligence on private mountain land can all support a personal injury claim. A pure outdoor accident with no negligent third party is typically not fundable because there is no liability case to advance against.

What if my New Hampshire case doesn’t recover?

Nothing comes out of your pocket. New Hampshire pre-settlement funding is non-recourse. A defense verdict, dismissal, or no-recovery outcome ends the repayment obligation entirely. The advance already deposited stays with you.

Submit your New Hampshire lawsuit loan paperwork today