This calculator estimates what a car accident injury claim could be worth under North Dakota law. It applies North Dakota’s 50% bar rule, the six-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.
Because North Dakota is a no-fault state, the calculator first subtracts what your own PIP coverage pays, then asks whether your injury meets the threshold to claim pain and suffering from the at-fault driver.
North Dakota rules behind this estimate
Fault. North Dakota uses modified comparative fault with a 50% bar. Your award drops by your share of fault, and at 50% or more you recover nothing, so an even split leaves you with nothing. Insurers know this, so expect them to argue your share up.
Deadline. You have six years from the crash to file a lawsuit in North Dakota. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.
Insurance. North Dakota is a no-fault state. Your own personal injury protection (PIP) pays your medical bills and part of your lost income first, up to $30,000, whoever caused the crash. To claim pain and suffering from the at-fault driver, you need $2,500 in medical bills, or a serious injury such as a fracture, permanent disability, disfigurement or 60 days of disability. Liability minimums are 25/50/25.
Damage caps. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.
North Dakota car accident questions
What if the other driver only has the North Dakota minimum?
Their insurer will usually pay no more than $25,000 for your injuries. Your own underinsured motorist (UIM) coverage can pay the difference up to your limit. Enter both above to see the ceiling.
Can I still claim if I was partly at fault in North Dakota?
Yes, as long as you were less than 50% at fault. Your award is reduced by your percentage, and at 50% or more you recover nothing.
How long do I have to file a car accident claim in North Dakota?
six years from the crash to file a lawsuit. Report the claim to the insurers within days.
Do I need to meet a threshold to sue in North Dakota?
Yes. North Dakota is a no-fault state, so your PIP pays first. To claim pain and suffering from the at-fault driver you need $2,500 in medical bills, or a serious injury such as a fracture, permanent disability, disfigurement or 60 days of disability.
Does North Dakota cap pain and suffering damages?
Not in most injury cases. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.