New Hampshire car accident leads
Summit Leads supplies car accident leads in New Hampshire and every other U.S. state by real-time ping/post, exclusive by default, with ZIP code filters. New Hampshire drivers are not required to carry personal auto liability insurance, the Insurance Department reports (2026), and personal actions carry a three-year limitations period.
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New Hampshire facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto liability insurance | Not required for New Hampshire drivers (NHID market report dated July 10, 2026)Market Competition in the New Hampshire Personal Automobile Insurance Marketplace (2026), dated July 10, 2026 New Hampshire Insurance Department |
| Insurer obligation | Take-all-comers: insurers must offer auto coverage to anyone who requests it (NHID, July 10, 2026)Market Competition in the New Hampshire Personal Automobile Insurance Marketplace (2026), dated July 10, 2026 New Hampshire Insurance Department |
| Personal injury statute of limitations | Three-year limitations period under RSA 508:4, I (N.H. Supreme Court order, August 1, 2025)New Hampshire Supreme Court, Case No. 2024-0046 (order issued August 1, 2025) Supreme Court of New Hampshire |
| Comparative fault statute | RSA 507:7-d, raised in an automobile accident appeal (Rivas v. Ciecko, January 27, 2026)Rivas v. Ciecko, 2026 N.H. 2 (opinion issued January 27, 2026) Supreme Court of New Hampshire |
| Traffic fatalities | 127 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Reported crashes | 29,650 in 2023 (NH Office of Highway Safety)New Hampshire Office of Highway Safety Annual Report 2023 New Hampshire Department of Safety, Office of Highway Safety |
| Lawyer advertising rule | Rule 7.2, Advertising (N.H. Rules of Professional Conduct, as posted October 2026)New Hampshire Rules of Professional Conduct, Rule 7.2, Advertising New Hampshire Judicial Branch |
| Direct contact rule | Rule 7.3, Direct Contact With Prospective Clients (N.H. Rules of Professional Conduct, as posted October 2026)New Hampshire Rules of Professional Conduct, Rule 7.3, Direct Contact With Prospective Clients New Hampshire Judicial Branch |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Optional auto insurance and fault-based claims in New Hampshire
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
In New Hampshire, the driver who caused a crash may carry no auto insurance. The Insurance Department's market competition report (dated July 10, 2026) says that unlike most states, drivers in New Hampshire are not required to carry personal auto liability insurance. The same report calls New Hampshire a take-all-comers state: insurers must offer coverage to anyone who requests it.
Claims are decided on fault, as in Rivas v. Ciecko below, where a jury found a driver legally at fault for an automobile accident. A crash victim looks to the at-fault driver for damages, so the first question on a New Hampshire lead is whether that driver had a policy. The NHID report lists uninsured motorist coverage and medical payments among the parts of a typical package policy, which is why buyers also ask whether the claimant has auto insurance of their own.
Three years to file and the New Hampshire fault statute
Personal actions in New Hampshire have three years. In an order issued August 1, 2025 (Case No. 2024-0046), the New Hampshire Supreme Court described RSA 508:4, I as setting a three-year limitations period and codifying the discovery rule, so the period can start when an injury and its cause are discovered.
Shared fault is governed by RSA 507:7-d. In Rivas v. Ciecko (opinion issued January 27, 2026), an appeal from an automobile accident verdict, the defendant raised the plaintiff's comparative fault under that statute. The combined New Hampshire page summarizes the rule itself.
Buyers filterFilterA rule that decides which leads a buyer is offered, based on fields such as vertical, sub-type, state, ZIP code, homeownership or accident details. Glossary on accident date so a firm has most of the three years left at intake, and on fault answers (who was cited, how many vehicles were involved) because comparative fault can reduce what a claim is worth.
Liability limits when coverage is optional
The NHID market report (July 10, 2026) states that New Hampshire drivers are not required to carry personal auto liability insurance. A driver who caused a crash may therefore have a policy with limits they chose, or no policy. For a buyer, the practical fields are whether the other driver had insurance and, if so, which insurer wrote it.
New Hampshire crash counts
The Office of Highway Safety's Annual Report 2023 reports 29,650 crashes in New Hampshire in 2023, down from 33,123 in 2022. The report marks its serious injury figures as not final, so this page does not repeat them.
NHTSA's FARS state table records 127 traffic deaths in New Hampshire in 2023. Fatalities are a small share of the crashes behind car accident leads, most of which involve injuries people survive.
New Hampshire rules on lawyer advertising and direct contact
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The New Hampshire Judicial Branch publishes the New Hampshire Rules of Professional Conduct online. Two rules in the Information About Legal Services group are the ones a firm buying car accident leads usually reads:
- Rule 7.2, Advertising. Paragraph (b) says a lawyer "shall not give anything of value to a person for recommending the lawyer's services," with listed exceptions.
- Rule 7.3, Direct Contact With Prospective Clients.
The Ethics Committee comment to Rule 7.2 notes that the New Hampshire rule differs from both the prior New Hampshire rule and the ABA Model Rule. This page names the rules only; whether a lead program fits them is a question for the buying firm and its counsel.
What buyers in New Hampshire filter on
In New Hampshire, these fields line up with the facts above:
- Other driver insured: the key field in a state where liability insurance is optional.
- Claimant's own policy: whether the caller carries auto insurance of their own.
- Accident date: time left in the three-year period under RSA 508:4, I.
- Fault answers: liability detail for the comparative fault statute, RSA 507:7-d.
- Injury and treatment, representation status: injury type, care so far and whether a lawyer is already involved.
- ZIP code: the service area, set ZIP by ZIP.
Where buyers filter in New Hampshire
Southern New Hampshire sits partly inside the Boston metro area, so buyers often draw New Hampshire coverage by ZIP code rather than by metro name. The areas below are listed with the Census Bureau's July 1, 2025 estimates; the Boston figure covers the whole two-state metro area, and Concord is a micropolitan area.
- Boston-Cambridge-Newton, MA-NH: 5,034,221 (July 1, 2025 estimate, whole metro area)
- Manchester-Nashua: 433,415 (July 1, 2025 estimate)
- Concord (micropolitan): 158,078 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for New Hampshire car accident leads
New Hampshire car accident leads arrive with the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record captured at opt-in. For the state's own calling rules, see New Hampshire in the state telemarketing laws table; for MVA and home improvement buying together, see leads in New Hampshire.
New Hampshire car accident lead questions
Do New Hampshire insurers have to sell auto coverage to every applicant?
Yes. The Insurance Department's market competition report (July 10, 2026) describes New Hampshire as a take-all-comers state, where insurers must offer coverage to anyone who requests it.
Which New Hampshire rule covers paying someone to recommend a lawyer?
Rule 7.2(b) of the New Hampshire Rules of Professional Conduct, on the Judicial Branch website. Direct contact with prospective clients is in Rule 7.3. This is general information, not legal advice.
How many crashes did New Hampshire report in 2023?
The Office of Highway Safety's Annual Report 2023 reports 29,650 crashes in 2023.
Request New Hampshire car accident leads
Email us the New Hampshire ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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