Auto Accident Demand Letter - New Hampshire
DEMAND FOR SETTLEMENT — MOTOR VEHICLE COLLISION
[LAW FIRM / CLAIMANT NAME]
[Street address]
[City, State ZIP]
[Phone] | [Email]
Date: [__/__/____]
To: [Adjuster or other recipient; mailing and email addresses]
Re: [Claimant] / [Driver or other responsible person]
Collision date and location: [__/__/____]; [LOCATION]
Claim or policy number, if known: [NUMBER]
Dear [RECIPIENT]:
I represent [CLAIMANT] concerning the collision identified above. Based on the documents listed below, we offer to resolve the claims identified in this letter for $[AMOUNT], subject to the settlement terms below. This is a settlement proposal, and its response date is a requested negotiation deadline, not a statutory filing deadline.
1. Collision and responsibility
At [TIME] on [DATE], [DRIVER] [DESCRIBE ACTION] at [LOCATION]. [CLAIMANT] was [DESCRIBE POSITION AND ACTION]. The resulting contact and damage were [DESCRIBE]. The present evidence consists of [PHOTOGRAPHS / VIDEO / WITNESS ACCOUNTS / CRASH REPORT / VEHICLE DATA], identified in the attachment schedule. Explain each driver's conduct and any disputed fact; do not assume a police report or citation alone resolves civil fault.
Requested factual allocation: [IDENTIFY EACH PERSON WHO MAY HAVE CONTRIBUTED, FACTS SUPPORTING THE PROPOSED SHARE, AND ANY UNCERTAINTY]. RSA 507:7-d reduces a tort award by the plaintiff's fault and permits recovery when that fault is not greater than the defendant's, or the defendants' aggregate fault if recovery is allowed against more than one defendant. This proposal uses [EXPLAIN PROPOSED ALLOCATION] for negotiation; a factfinder may reach a different result.
If more than one defendant is implicated, address each separately. RSA 507:7-e(I)(b) makes a party below 50 percent at fault severally liable for damages attributable to that party; subsection (I)(c) preserves joint and several liability for parties found to have knowingly pursued or actively taken part in a common plan or design resulting in the harm. [STATE THE FACTUAL BASIS FOR ANY COMMON-PLAN CONTENTION, OR DELETE IT.]
2. Injury, treatment, and losses
[CLAIMANT] reports [INJURIES], with onset on [DATES]. Treatment to date includes [PROVIDERS, DATES, PROCEDURES]. Current restrictions and prognosis are [FACTS AND SUPPORTING PROVIDER RECORDS]. Identify preexisting conditions, disputed causation, gaps in treatment, and future care only as supported by records or a qualified opinion.
| Claimed item | Amount | Evidence / calculation | Status |
|---|---|---|---|
| Medical charges incurred | $[____] | [ITEMIZED BILLS] | [PAID / UNPAID / DISPUTED] |
| Wage or earning loss | $[____] | [PAY RECORDS AND CALCULATION] | [ACTUAL / ESTIMATE] |
| Vehicle or other property loss | $[____] | [ESTIMATE / INVOICE / VALUE RECORD] | [REPAIRED / PENDING] |
| Other documented expense | $[____] | [RECEIPTS AND CAUSATION] | [STATUS] |
| Future loss, if supported | $[____] | [PROVIDER OR OTHER SUPPORT] | [ESTIMATE] |
| Documented economic subtotal | $[____] | [RECONCILE DUPLICATES] |
For non-economic harm, [DESCRIBE SPECIFIC PAIN, LIMITATIONS, AND DURATION WITH SUPPORT]. The settlement figure accounts for that harm and the documented economic loss; it is a proposal rather than a representation that a particular award is guaranteed. Identify any payment, credit, lien, reimbursement claim, or insurance issue for counsel to resolve before executing a release.
3. Timing and coverage checks
Counsel-confirmed filing deadline: [__/__/____], calculated from [CONTROLLING CLAIM, ACCRUAL FACTS, DISCOVERY FACTS, ANY SPECIAL STATUTE OR TOLLING, AND SOURCE]. RSA 508:4(I) states a general three-year period for personal actions, except as otherwise provided by law, and includes a discovery provision when injury and its causal connection could not reasonably have been discovered at the act or omission. The collision date by itself does not establish the final deadline for every claim or claimant. A demand letter does not extend the applicable filing period.
Coverage and release: [IDENTIFY EACH ACTUAL LIABILITY, MEDICAL-PAYMENTS, AND UNINSURED/UNDERINSURED-MOTORIST POLICY; VERIFY TERMS AND LIMITS FROM THE POLICY.] Do not assume a minimum policy exists or that a third-party settlement preserves other coverage. RSA 264:15(V) requires its prominent warning, read and signed by the releasing parties, on every document tendered to settle a bodily-injury claim that may be subject to coverage under that section. Counsel will review any proposed release against that rule and the actual policies before signature.
4. Settlement proposal
We request a written response by [__/__/____] to [EMAIL / ADDRESS]. If accepted, the parties will document: (1) the persons and claims released; (2) the settlement payment and payee instructions; (3) treatment of identified liens or reimbursement claims; (4) any insurer consent or coverage reservation; and (5) the precise release text, including any RSA 264:15(V) warning required for this claim. No release is agreed to by this letter alone.
If you dispute responsibility or an item in the loss schedule, please identify the specific disputed fact and records on which you rely. We can discuss a supported counteroffer. Please direct future claim communications to [CONTACT].
Sincerely,
[NAME]
[ROLE / BAR NUMBER, IF COUNSEL]
[CONTACT INFORMATION]
Attachment schedule
| Attachment | Description | Date / source |
|---|---|---|
| A | [Collision evidence] | [DATE / SOURCE] |
| B | [Medical records and itemized bills, with appropriate authorization] | [DATE / SOURCE] |
| C | [Wage and property-loss support] | [DATE / SOURCE] |
| D | [Other supporting material] | [DATE / SOURCE] |
Authorities checked: RSA 507:7-d · RSA 507:7-e · RSA 508:4 · RSA 264:15.
About this template
- Last updated
- September 23, 2026
- Citations checked
- September 23, 2026
- Jurisdiction
- New Hampshire
- Category
- Demand Letters
Legal authority
- RSA 507:7-d (comparative fault in tort actions for injury or property damage)
- RSA 507:7-e(I)(b)-(c) (apportionment and common-plan exception)
- RSA 508:4(I) (general three-year period, subject to other law and the discovery provision)
- RSA 264:15(V) (warning on specified bodily-injury settlement documents that may affect uninsured-motorist benefits)
A demand letter is a formal written request to fix a problem or pay what is owed, sent before anyone files a lawsuit. It gives the other side a real chance to settle, creates a record of your attempt to resolve things, and in many cases (unpaid debts, insurance claims, broken contracts) starts a legally required response window. A well-written demand letter lays out what happened, what you want, and a deadline to act, which is often enough to get results without ever going to court.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on September 23, 2026.
RSA 507:7-d (checked September 23, 2026): "Contributory fault shall not bar recovery in an action by any plaintiff or plaintiff's legal representative, to recover damages in tort for death, personal injury or property damage, if such fault was not greater than the fault of the defendant, or the defendants in the aggregate if recovery is allowed against more than one defendant, but the damages awarded shall be diminished in proportion to the amount of fault attributed to the plaintiff by general verdict."
RSA 507:7-e(I)(b) (checked September 23, 2026): "Enter judgment against each party liable on the basis of the rules of joint and several liability, except that if any party shall be less than 50 percent at fault, then that party's liability shall be several and not joint and he shall be liable only for the damages attributable to him."
RSA 507:7-e(I)(c) (checked September 23, 2026): "RSA 507:7-e, I(b) notwithstanding, in all cases where parties are found to have knowingly pursued or taken active part in a common plan or design resulting in the harm, grant judgment against all such parties on the basis of the rules of joint and several liability."
RSA 508:4(I) (checked September 23, 2026): "Except as otherwise provided by law, all personal actions, except actions for slander or libel, may be brought only within 3 years of the act or omission complained of, except that when the injury and its causal relationship to the act or omission were not discovered and could not reasonably have been discovered at the time of the act or omission, the action shall be commenced within 3 years of the time the plaintiff discovers, or in the exercise of reasonable diligence should have discovered, the injury and its causal relationship to the act or omission complained of."
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