North Dakota Car Accident Settlement Calculator
Estimate a car accident settlement under North Dakota law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What North Dakota law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
North Dakota bars recovery if plaintiff is 50% or more at fault.
N.D.C.C. § 32-03.2-02·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
North Dakota car insurance law: minimums, PIP and uninsured motorist coverage
What North Dakota's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
North Dakota: Minimum liability coverage
“The owner of a motor vehicle required to be registered in this state, or the owner of a motor vehicle operated in this state by the owner or with the owner's permission, shall continuously provide with respect to the motor vehicle during the period in which operation is contemplated in this state security for payment of basic no-fault benefits and the liabilities covered under the motor vehicle liability insurance.”
“[…] subject to limits exclusive of interest and costs, with respect to each such motor vehicle, as follows: twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and subject to said limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident.”
The provision begins before this quote, and the part before it is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
North Dakota: No-fault, personal injury protection and the right to sue
“"Basic no-fault benefits" means benefits for economic loss resulting from accidental bodily injury. The maximum amount of basic no-fault benefits payable for all economic loss incurred and resulting from accidental bodily injury to any one person as the result of any one accident may not exceed thirty thousand dollars, regardless of the number of persons entitled to the benefits or the number of basic no-fault insurers obligated to pay the benefits. Basic no-fault benefits payable may not exceed one hundred fifty dollars per week per person prorated for any lesser period for work loss or survivors' income loss, or three thousand five hundred dollars for funeral, cremation, and burial expense […]”
The provision continues past the end of this quote, and the rest is not quoted here.
The definition of a serious injury:
“"Serious injury" means an accidental bodily injury which results in death, dismemberment, serious and permanent disfigurement or disability beyond sixty days, or medical expenses in excess of two thousand five hundred dollars.”
The limit on a suit for pain and suffering:
“In any action against a secured person to recover damages because of accidental bodily injury arising out of the ownership or operation of a secured motor vehicle in this state, the secured person is exempt from liability to pay damages for: a. Noneconomic loss unless the injury is a serious injury. b. Economic loss to the extent of all basic no-fault benefits paid or to become payable for such injury under this chapter […]”
The provision continues past the end of this quote, and the rest is not quoted here.
North Dakota: Uninsured and underinsured motorist coverage
“No motor vehicle liability insurance policy may be delivered, issued for delivery, or renewed in this state with respect to any specifically insured or identified motor vehicle registered, licensed, and principally garaged in this state unless uninsured motorist coverage is provided therein or supplemental thereto in limits set forth in section 39-16.1-11.”
“The insurer shall also provide underinsured motorist coverage at limits equal to the limits of uninsured motorist coverage.”
North Dakota: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (N.D.C.C. chapters 26.1-40, 26.1-41 and 39-16.1).
What partial fault costs you in North Dakota
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under North Dakota law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every North Dakota deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the North Dakota periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
N.D.C.C. § 28-01-16(5)·Source retrieved 2026-07-27
Open the personal injury calculatorN.D.C.C. § 28-01-18(3)·Source retrieved 2026-07-27
Open the medical malpractice calculatorN.D.C.C. § 28-01-18(4)·Source retrieved 2026-07-27
Open the wrongful death calculatorN.D.C.C. 65-05-01·Last reviewed 2026-07-28
Open the workers compensation calculatorN.D.C.C. § 28-01-16(5)·Source retrieved 2026-07-27
Open the slip and fall calculatorNorth Dakota against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 10 of the 51 jurisdictions we track apply modified comparative negligence with a 50% bar, and North Dakota is one of them.
- Its 6 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and North Dakota is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology