North Dakota Car Accident Settlement Calculator
Estimate your North Dakota car accident claim using real settlement data and ND-specific fault laws
The average paid bodily-injury liability claim in North Dakota is $36,680 for claim year 2022, above the $28,919 national average, and $34,826 averaged across 2020-2022 (NAIC Auto Insurance Database Report). North Dakota applies a modified comparative negligence rule with a 50% bar and car accident injury claims must be filed within 6 years of the crash (N.D. Cent. Code § 28-01-16).
Source: NAIC Auto Insurance Database Report (2022/2023 edition), 2020-2022 claim years. Figures are average paid bodily-injury liability claims, not total case values.
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Car Accident Settlements in North Dakota
North Dakota uses a modified comparative (50% bar) system. Modified comparative negligence with 50% bar — you're barred from recovery if 50% or more at fault. North Dakota is a no-fault state with a generous 6-year statute of limitations. North Dakota has no cap on non-economic damages for personal injury car accident cases, meaning pain and suffering awards have no statutory limit.
The average bodily injury (BI) liability claim payment in North Dakota was approximately $36,680 in 2022, per the NAIC 2022/2023 Auto Insurance Database Report (2020–2022 average: $34,826). Serious cases settle far above these insurance averages — surgery, permanent impairment, or disputed liability regularly push outcomes into six figures. Our calculator uses the same multiplier method insurance adjusters use, benchmarked against real government settlement data.
Key North Dakota factors: Modified Comparative (50% Bar) fault system, 6-year statute of limitations, minimum insurance of 25/50/25 (mandatory uninsured motorist coverage). North Dakota is a no-fault state, so your PIP coverage handles initial medical costs. To file a tort claim for pain and suffering, you must $2,500 in medical expenses OR injury resulting in death, dismemberment, permanent disability, permanent disfigurement, or 60+ days of total disability..
North Dakota Car Accident Settlement Statistics
Avg. BI Claim (NAIC 2022)
$36,680
3-Yr Avg BI Claim (NAIC)
$34,826
Fault System
Modified Comparative (50% Bar)
North Dakota Car Accident Laws That Affect Your Settlement
Modified Comparative (50% Bar) (N.D. Cent. Code § 32-03.2-02): Modified comparative negligence with 50% bar — you're barred from recovery if 50% or more at fault. North Dakota is a no-fault state with a generous 6-year statute of limitations.
Statute of limitations: You have 6 years from the date of the accident to file a personal injury lawsuit in North Dakota (N.D. Cent. Code § 28-01-16). Missing this deadline generally means losing your right to sue. North Dakota's 6-year deadline is one of the longest in the country, but don't wait — evidence degrades and witnesses forget.
North Dakota Car Accident Settlement FAQs
What is the average car accident settlement in North Dakota?
The average bodily injury (BI) liability claim payment in North Dakota was about $36,680 in 2022 (NAIC 2022/2023 Auto Insurance Database Report; 2020–2022 average: $34,826). However, settlements vary enormously based on injury severity — minor soft tissue injuries may settle for $5,000-$15,000, while serious injuries involving surgery can reach $100,000-$500,000+.
How does North Dakota's fault law affect my settlement?
North Dakota's modified comparative negligence system means you can recover damages as long as you are LESS than 50% at fault. At exactly 50% or more, you're barred from recovery entirely. Your award is reduced by your fault percentage. This directly impacts the settlement amount you can expect to receive.
How long do I have to file a car accident claim in North Dakota?
In North Dakota, the statute of limitations for personal injury from a car accident is 6 years from the date of the accident (N.D. Cent. Code § 28-01-16). Missing this deadline typically means you lose the right to sue. If filing against a government entity, shorter deadlines may apply.
Does North Dakota cap car accident settlement amounts?
North Dakota does not cap compensatory damages in personal injury car accident cases.
Should I accept the insurance company's first offer in North Dakota?
Generally, no. Insurance companies in North Dakota typically start with a low offer. The average BI claim payment in North Dakota is $36,680 (NAIC 2022), and first offers frequently come in well below case value.
Other Injury Type Calculators
Same crash, different injury — settlements vary by injury type. Each calculator uses type-specific insurer formulas.
Other State Calculators
Car Accident Settlement Calculators by State
Settlement ranges, statutes of limitations, and comparative-fault rules differ by state — see yours: