North Dakota Car Accident Settlement Guide
Average settlement values, statute of limitations, fault rules, insurance requirements, and everything North Dakota accident victims need to know to maximize their claim.
Average Settlement Values in North Dakota
These ranges reflect actual settlements and verdicts in North Dakota. Your specific case value depends on injury severity, liability clarity, insurance coverage, and quality of legal representation.
Whiplash & Soft Tissue
$6,500–$22,000
Most common injury type. Value depends heavily on treatment duration and documentation.
Herniated Disc
$52,000–$225,000
Significant injury requiring imaging, specialist care, and often physical therapy or surgery.
Broken Bones / Fractures
$32,000–$145,000
Value varies by bone, severity, and whether surgery was required.
Traumatic Brain Injury
$160,000–$1,250,000+
Among the highest-value injury types. Long-term impact on earning capacity is a major factor.
Wrongful Death
$320,000–$3,200,000+
Includes funeral expenses, loss of financial support, and loss of companionship.
Important: These are ranges based on historical data — not guarantees. Cases with strong liability, serious injuries, and experienced legal representation consistently achieve results at the higher end of these ranges. Cases with disputed liability, gaps in treatment, or no attorney representation typically settle at the lower end.
North Dakota Legal Rules & Requirements
Statute of Limitations
N.D. Cent. Code § 28-01-16. North Dakota has one of the longest SOLs — 6 years. Government entities: 3-year limit applies.
Check Your Deadline
Modified Comparative Fault (50% Bar)
North Dakota follows the 50% modified comparative fault rule. If you are 50% or more at fault, you cannot recover. If you are less than 50% at fault, your recovery is reduced by your percentage of fault.
No-Fault State
North Dakota is a no-fault state. Your own PIP insurance covers medical expenses and lost wages up to $30,000 regardless of fault. You can sue the at-fault driver for injuries exceeding your PIP coverage.
Minimum Insurance Requirements
Bodily Injury Liability
$25,000 per person / $50,000 per accident
Property Damage Liability
$25,000
Notable North Dakota Verdicts & Settlements
Commercial truck accident causing catastrophic injury, Cass County
2023
Wrongful death — distracted driver, Burleigh County
2022
Spinal cord injury — rear-end collision, Grand Forks County
2023
These are representative examples. Past results do not guarantee future outcomes.
Key Facts for North Dakota Victims
North Dakota has one of the LONGEST statutes of limitations — 6 years
North Dakota is a no-fault state — PIP coverage is required
North Dakota has one of the highest PIP coverage requirements — $30,000
Winter road conditions significantly increase accident severity
North Dakota's oil industry contributes to commercial vehicle accidents
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