Car accidents in North Dakota are causing severe physical injuries and damage

Why Should I Hire a Local North Dakota Car Accident Attorney? 

Engaging a local North Dakota car accident attorney can offer you invaluable insight into local laws, rules, and regulations, particularly in a state with unique no-fault insurance requirements. A local expert can guide you effectively through the complexities of your case and ensure that you receive the best possible compensation. 

What is the Statute of Limitations for an Automobile Accident in North Dakota? 

In North Dakota, you have six years from the date of the automobile accident to file a lawsuit. This timeframe is essential to keep in mind as missing this deadline can bar you from pursuing legal claims related to the accident. 

What Legal Standard of Negligence Applies in North Dakota Car Accident Cases? 

North Dakota follows a system of modified comparative negligence. Under North Dakota Century Code § 32-03.2-02, a claimant’s fault does not prevent them from recovering damages unless their level of fault is equal to or greater than the combined fault of all other contributing parties. In such cases, the claimant’s recoverable damages are reduced in proportion to their degree of fault. 

Is North Dakota a Fault or No-Fault State for Auto Accidents? 

North Dakota is a no-fault state. This means that regardless of who is at fault for an accident, each party must first seek compensation from their own insurance provider under their Personal Injury Protection (PIP) coverage. 

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What Are the Automobile Insurance Requirements in North Dakota? 

North Dakota law mandates that drivers carry bodily injury liability coverage of at least $25,000 per person and $50,000 per accident. Additionally, drivers must have property damage liability coverage of at least $25,000 per accident. The state also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident, and underinsured motorist coverage matching the uninsured limits. Finally, drivers are required to have $30,000 per person in basic no-fault or PIP coverage. 

What Are the Insurance Guidelines in North Dakota When Renting a Car? 

According to North Dakota Statute § 26.1-40-17(2), the car rental company’s liability insurance acts as a secondary coverage, coming into play after the renter’s own insurance. However, a federal case, Travelers Indemnity Co. v. American Motorist Insurance Co., suggests that this state law may not apply to car rental companies but instead to garage keepers’ policies. 

By adhering to these guidelines, you will be better prepared for dealing with the complexities that often accompany automobile accidents in North Dakota.