What is a car accident claim worth in North Dakota?
Every rule below is quoted from North Dakota law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in North Dakota, and the North Dakota rules that raise or lower what you collect. $36,680 was the average injury claim paid in North Dakota in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from North Dakota law on this site, each with a link.
What claims paid in North Dakota
Injury claims in North Dakota averaged $36,680 each in 2022.
Car and property damage claims averaged $5,811.
| Injury claim paid by the at fault driver's insurance | $36,680 |
|---|---|
| Car and property damage | $5,811 |
| Personal injury protection, paid by your own policy | $8,778 |
| Collision coverage, paid by your own policy | $5,545 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in North Dakota
If you were partly at fault
North Dakota uses modified comparative fault with a 50 percent bar. You can recover money as long as your fault is not as great as the combined fault of everyone else involved. Your award is reduced by your own percentage of fault.
“Contributory fault does not bar recovery in an action by any person to recover damages for death or injury to person or property unless the fault was as great as the combined fault of all other persons who contribute to the injury, but any damages allowed must be diminished in proportion to the amount of contributing fault attributable to the person recovering.”
The other driver's policy limit is the ceiling
North Dakota drivers must carry at least $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage.
“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”
If the other driver has no insurance
Uninsured motorist coverage is required on every North Dakota auto liability policy at the same minimum limits as liability coverage, and insurers must make higher limits available on request.
“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”
The deadline that ends the claim
You have 6 years from the crash to file a lawsuit for your injuries. This is longer than most states.
“An action for criminal conversation or for any other injury to the person or rights of another not arising upon contract, when not otherwise expressly provided.”
What a lawyer takes if you hire one
North Dakota does not set a specific percentage cap on personal injury contingency fees. A contingent fee is allowed as long as it is reasonable under the state's general rule for lawyer fees.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph (d) or other law.”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.