North Dakota is a no-fault state for car insurance. However, if another party caused your car accident, you may receive compensation for your injuries and damages in some situations. The compensation you can seek for car accident injuries in Fargo depends on the circumstances involved in your case. Our Fargo personal injury attorneys discuss compensation for car accident injuries in this blog.
Compensation for No-Fault Car Accident Claims in Fargo, ND
North Dakota requires drivers to have a minimum of $30,000 basic no-fault insurance coverage per person for car accidents. If you are involved in a car accident, you file a claim with your insurance provider. It does not matter which driver is responsible for causing the accident.
No-fault insurance covers the policyholder, their spouse, relatives who live with the policyholder, and anyone who drives the vehicle with the policyholder’s permission.
No-fault car insurance (i.e., Personal Injury Protection or PIP) pays for:
- Medical bills
- Loss of income
- The cost of having someone perform household chores and childcare
- Funeral and burial expenses for a death
No-fault insurance does not compensate you for your pain and suffering damages or damage to your vehicle. PIP for motorcycles must be added separately to a liability insurance policy.
Can I Sue Another Driver for a Car Accident in Fargo, ND?
If another party caused your car accident, you might be able to seek compensation from them if you meet a “threshold” for a liability claim. One of the following must be true to pursue a liability claim:
- You sustain a serious and permanent disability or disfigurement that lasts for more than 60 days; or,
- You incur more than $2,500 in medical bills because of the accident.
North Dakota requires all drivers to have a minimum of $25,000 per person for bodily injury liability insurance ($50,000 per accident). They must also have a minimum of $25,000 for property damage liability. If your claim exceeds the other party’s liability insurance coverage, there could be other options for receiving compensation for damages. Our legal team can discuss these options in detail during a free consultation.
Compensation for a Car Accident in North Dakota Caused by Another Party
If you meet the threshold for a liability claim, you can seek compensation for economic and non-economic damages, including:
- The cost of past and future medical treatment, including rehabilitative therapies
- Out-of-pocket expenses
- Loss of quality of life and enjoyment of life
- Scarring, impairment, disfigurement, and disability
- Lost wages, earning capacity, and employment benefits
- Emotional distress and mental anguish
- Pain and suffering
The amount you receive for a car accident claim depends on many factors, including the type and severity of your injuries, the strength of the evidence proving fault, and the availability of insurance coverage. An experienced car accident attorney will investigate your claim to determine all available options for compensation of damages.
Schedule a Free Consultation With Our Fargo Personal Injury Attorneys
Car accidents can result in substantial financial losses, in addition to emotional and physical suffering. At Pringle & Herigstad, P.C., our legal team diligently pursues all liable parties and sources of compensation to maximize your recovery for a car accident claim. Call us today to schedule a free case evaluation with an experienced Fargo personal injury attorney.
