New Hampshire Diminished Value Claims
How Diminished Value Claims Work
In New Hampshire, a vehicle involved in a not at fault accident may lose market value even after repairs are completed. When another driver is responsible for the accident, New Hampshire law allows you to pursue compensation for that loss in value from the at fault driver’s insurance company as part of your property damage claim. A New Hampshire diminished value claim allows you to recover the difference between what your vehicle was worth before the accident and what it is worth after repairs. New Hampshire recognizes diminished value as part of a third party property damage claim.
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01
Statute of Limitations
New Hampshire allows three years from the date of the accident to pursue a diminished value claim.
02
Third-Party Claims
Diminished value claims can be pursued against the at fault driver’s liability insurance when another driver caused the accident.
03
First-Party and Uninsured Motorist
Most first party policies in New Hampshire exclude diminished value, but uninsured motorist property damage (UMPD) coverage may apply if you carry it.
04
Small Claims Court Limit
New Hampshire small claims court allows diminished value claims up to $10,000.
New Hampshire Diminished Value Law
New Hampshire courts recognize that a vehicle does not automatically return to its original market value simply because it has been repaired. When a vehicle is damaged due to another party’s negligence, any remaining loss in market value may be recovered as part of a third party property damage claim.
Copadis v. Haymond, 94 N.H. 103 (1946)
The Supreme Court of New Hampshire held that damages for injury to an automobile may be measured by the difference between the vehicle’s value before and after the damage. The court further recognized that when repairs are performed but do not fully restore the vehicle’s original value, the remaining diminution in value is a compensable element of damages, in addition to reasonable repair costs and loss of use.
New Hampshire Diminished Value FAQs
Below are answers to common questions about New Hampshire diminished value claims, including how claims work, time limits, and how loss in market value is calculated after an accident.
Does New Hampshire allow diminished value claims?
Yes. New Hampshire recognizes third party diminished value claims when another driver is at fault.
Can I recover diminished value in New Hampshire if my vehicle was repaired properly?
Yes. Proper repairs do not eliminate the impact of accident history on resale value.
Can I file diminished value against my own insurance in New Hampshire?
Generally no, unless first party diminished value coverage is specifically included.
How is diminished value calculated in New Hampshire?
There is no required state formula. Market based analysis of comparable vehicles is commonly used to measure actual resale impact.
What is the statute of limitations for diminished value in New Hampshire?
New Hampshire generally allows three years for property damage claims.
Do insurance companies pay diminished value in New Hampshire?
Yes, but strong supporting documentation significantly improves how the claim is evaluated.
Still have a question?
Drivers in northern New England may encounter different diminished value rules across state lines. You can review claim processes in Maine, Vermont, and Massachusetts.