Can I file a diminished value claim in New Hampshire?

Generally yes — if another driver was at fault, New Hampshire typically lets you pursue diminished value (the resale value your car lost just from having an accident on its record) against that driver's insurer. Diminished value applies to a repaired car, not a totaled one.

Can I recover diminished value from my own insurer in New Hampshire?

Usually not. In New Hampshire, as in most states, your own auto policy generally doesn't cover diminished value — it's typically pursued against the at-fault driver's insurer instead.

How long do I have to file a diminished value claim in New Hampshire?

In New Hampshire the statute of limitations is generally 3 years, and the clock usually starts on the accident date — not when the car was repaired. Waiting too long can permanently bar the claim.

New Hampshire · Diminished value

Diminished value claims in New Hampshire

If your car was repaired after a crash someone else caused, it's now worth less on paper simply because it has an accident on its record. In New Hampshire, that lost value — “diminished value” — can generally be pursued. Here's how New Hampshire treats it.

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New Hampshire at a glance

Third-party DV (at-fault driver's insurer): Yes
First-party DV (your own insurer): No
How DV is measured: Market comparison (before-vs-after value)
Time limit to file (statute of limitations): 3 years

Diminished value in New Hampshire

No controlling NH Supreme Court first-party DV opinion located on courts.nh.gov; no express statutory first-party DV provision. Third-party DV (against the at-fault driver in tort) IS recoverable as an element of the property-damage measure of damages under common-law negligence — diminution between pre-loss FMV and post-repair FMV (market comparison).

How Moe handles diminished value in New Hampshire

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to New Hampshire’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

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New Hampshire diminished value — common questions

Can I file a diminished value claim in New Hampshire?: Generally yes — if another driver was at fault, New Hampshire typically lets you pursue diminished value (the resale value your car lost just from having an accident on its record) against that driver's insurer. Diminished value applies to a repaired car, not a totaled one.
Can I recover diminished value from my own insurer in New Hampshire?: Usually not. In New Hampshire, as in most states, your own auto policy generally doesn't cover diminished value — it's typically pursued against the at-fault driver's insurer instead.
How long do I have to file a diminished value claim in New Hampshire?: In New Hampshire the statute of limitations is generally 3 years, and the clock usually starts on the accident date — not when the car was repaired. Waiting too long can permanently bar the claim.

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All New Hampshire accident-claim rules · Other states

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This page summarizes New Hampshire’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.