How this estimate is built
Your medical expenses and lost wages are your economic damages, never capped in New Hampshire. We apply the multiplier method, the industry-standard approach, to estimate noneconomic damages — with no cap to check the result against, regardless of claim type.
The 51% bar, standard structure
Under RSA 507:7-d, a claimant whose fault is not greater than the defendant's can recover, reduced proportionally. Exactly 50% still recovers half; the claim is barred only once the claimant's fault actually exceeds 50%.
Three damages caps, three times struck down
New Hampshire has a genuinely unusual legal history on this point. In 1980, the state Supreme Court struck down a $250,000 noneconomic damages cap specific to medical malpractice in Carson v. Maurer, ruling the entire malpractice-reform chapter unconstitutional under the state constitution's equal protection guarantees — and voiding it in full, since the unconstitutional provisions couldn't be separated from the rest. In 1991, the court struck down an $875,000 cap that applied more broadly to all personal injury claims, calling it "even more" constitutionally problematic than the 1980 figure. A third cap fell in 1999. No general or malpractice-specific damages cap has survived New Hampshire constitutional review since.
What's actually still capped
The only damages ceilings still in force apply to claims against government entities: $475,000 against the State of New Hampshire itself, and $275,000 per person / $925,000 per occurrence against municipalities. These are sovereign-immunity waiver terms, a different legal category from an ordinary tort damages cap, and they don't apply to a claim against a private individual, business, or health care provider.