Everyone says take the first decent check, but actually you need proof fast if you want leverage to reject it and push for more.

If you were hit while working road construction, riding a motorcycle between sites, or driving for the job, start by proving it was both a work injury and a third-party crash. Those are two separate tracks in New Hampshire. Save the crash report from the Concord Police Department or New Hampshire State Police, get the names of every witness, and keep photos of the vehicle damage, your gear, the work zone, cones, signs, and lane setup. If your employer is telling you to "just use your own insurance," that does not erase a possible workers' compensation claim or a claim against the at-fault driver.

If the insurer says its offer is fair, you need evidence showing your losses are still developing. That means ER records, orthopedic follow-ups, physical therapy notes, wage records, and written work restrictions. For a construction worker, the key proof is often what you cannot do now: climbing, lifting, kneeling, flagging, riding, or returning to full duty. Get that in writing from the treating provider now, not months later. Spring and summer crashes involving visibility conflicts with riders often produce delayed shoulder, spine, and knee findings.

If the crash may be worth more than a quick settlement because liability is disputed, gather proof that would matter in court: body-cam footage, dashcam video, 911 audio, black-box data, scene measurements, and surveillance from nearby Concord businesses. This disappears quickly. So can road evidence after weather shifts, especially on heavily traveled New Hampshire routes and seasonal tourist corridors like I-93 heading toward the White Mountains.

New Hampshire generally gives you 3 years to file a personal injury lawsuit, but valuable evidence can be gone in days or weeks. Rejecting a low offer works only if you can show the insurer what a jury would see later.