Diminished Value Claims: New Hampshire

In New Hampshire, if your vehicle suffered damage due to another driver’s negligence, you are eligible to file a diminished value claim. Diminished value is the difference between the cash value of your car before it was damaged and its lesser value after repairs. When your vehicle loses value from crash-related damage, you can recoup that loss through a diminished value claim.

Summary – New Hampshire Diminished Value Claims


Statute of Limitations: 3 years


Third Party Diminished Value Claim: Yes


First Party Diminished Value Claim: No, most insurance policies will exclude diminished value


New Hampshire Property Damage Minimum Limits: $25,000 in coverage


Uninsured Motorist Coverage for Diminished Value: No coverage


Underinsured Motorist Coverage for Diminished Value: No coverage


New Hampshire Small Claims Court Limit: $10,000, attorney representation and appeals are permitted

New Hampshire Diminished Value Law


Copadis v. Haymond, 94 N.H. 103, (N.H. 1946) Supreme Court of New Hampshire Hillsborough (“While the defendant's liability for negligence may properly be measured by the difference in value before and after the automobile was damaged plus loss of use, the plaintiff may recover, in lieu thereof, the reasonable cost of repair with due allowance for any difference between the original value and value after repairs and loss of use.”)


Copadis v. Haymond, 94 N.H. 103, 106 (N.H. 1946) (“The rule is well expressed in Restatement, Torts, s. 928, as follows: "Where a person is entitled to a judgment for harm to chattels not amounting to a total destruction in value, the damages include compensation for "(a) the difference between the value of the chattel before the harm and the value after the harm or, at the plaintiff's election, the reasonable cost of repair or restoration where feasible, with due allowance for any difference between the original value and the value after repairs, and "(b) the loss of use." ”)



How to File a Diminished Value Claim in New Hampshire


Step 1. Gather proof of your car’s diminished value.

Crucial in filing any insurance claim is having the correct paperwork and supporting documentation prepared professionally.

Insurance companies are looking for a high-quality, independent diminished value appraisal performed by an industry expert with the highest qualifications and experience.

Step 2. Submit a diminished value appraisal and demand letter for review.

Typically, diminished value claims are brought against the at-fault driver’s insurance company.

Step 3. Settle your claim.

Insurance companies will often want to negotiate so it is in your best interest to enlist the services of a professional diminished value appraiser for help with your claim. Haggle and negotiate until they get firm with their offer.

If you would like a free claim review, please call us at 704-209-7629 or complete a free estimate form to get further assistance with your New Hampshire diminished value claim.