Why is Manchester's insurer stalling and asking for recordings after my black ice crash?
If you spun out on black ice near South Willow Street or outside a Manchester warehouse lot and the city's insurer wants a recorded statement before giving straight answers, yes, that can be a trap. Government claims in New Hampshire do not run like ordinary car-insurance claims. The angle is simple: get you talking early, pin down details, and let the clock run while you miss the right notice or file with the wrong agency.
What you need to prove right away is who controlled the property or road and when the dangerous condition existed.
- Get photos and video of the ice, snow, drainage, lighting, plow berms, warning signs, and the exact spot.
- Save the address, cross street, or ramp number. In Manchester, that matters because a crash on a city street is different from one on I-293 or another state-maintained road tied to NHDOT.
- Pull weather records, 911 logs, police reports, incident reports, and any tow records showing the time.
- If it happened at or near a public facility, get maintenance logs, plow/sanding records, and prior complaints through New Hampshire's Right-to-Know Law.
- Keep every medical bill, work-miss record, and tax-season debt notice showing your losses.
If the claim is against the State of New Hampshire, it may go through the New Hampshire Board of Claims under RSA 541-B, not a normal lawsuit first. Claims against a city like Manchester can involve RSA 507-B and different immunity defenses. The ordinary 3-year injury deadline can mislead people because some government-related notice issues come much sooner.
Your immigration status does not decide whether a city or state caused a dangerous condition. A civil injury claim is about fault, notice, and damages. Do not hand over a recorded statement until you know whether the responsible party is Manchester, NHDOT, a contractor, or a private property owner.
This is general information, not legal counsel. Your situation has details that change everything. If you were injured, speaking with an attorney costs nothing and could change your outcome.
Speak with an attorney now →