North Dakota Car Accident Settlement Calculator

What Is the North Dakota Car Accident Settlement Calculator?

The North Dakota Car Accident Settlement Calculator is an interactive tool that gives you a quick estimate of what your personal injury or property damage settlement might look like after a crash.

This tool uses:

• Medical bills
• Lost wages
• Vehicle value
• Injury severity
• Fault percentage
• Insurance limits

…and much more to calculate a rough settlement estimate based on North Dakota-specific laws.

It’s not a replacement for legal advice, but it’s a great starting point if you’re unsure what to expect from a claim.

Why Use a Settlement Calculator?

• Understand your rights under North Dakota’s no-fault insurance laws.
• Get an idea of your financial recovery.
• Know whether you meet the serious injury threshold.
• See how being at fault reduces your claim.
• Learn if you’re barred from recovery due to the 51% fault rule.

In short, it helps you make more informed decisions before talking to insurance companies or hiring a lawyer.

Key North Dakota Laws the Calculator Uses

To give you an accurate estimate, the calculator is built around North Dakota personal injury law, including:

1. No-Fault Rule

You must meet a threshold (like $2,500 in medical bills or a serious injury) to sue for non-economic damages like pain and suffering.

2. Pay-to-Play Law

If you were uninsured, you may not be allowed to recover non-economic damages—even if the other driver was 100% at fault.

3. Modified Comparative Negligence (51% Bar Rule)

If you’re 51% or more at fault, you get nothing. If you’re 50% or less, your settlement is reduced by your percentage of fault.

How the Calculator Works

Here’s how each section of the calculator helps shape your settlement estimate:

Medical Bills & Future Costs

Input your actual and future medical expenses. These make up your economic damages.

Lost Wages

If the accident kept you from working, you can claim lost income.

Recovery Days & Injury Severity

The more serious your injury and the longer the recovery, the higher your multiplier for pain and suffering (if allowed).

Vehicle Damage

Enter the pre-accident vehicle value and select the severity of damage. This determines your property damage amount.

Fault Percentage

Tell the calculator how much at fault you were. More than 50%? You’re barred from recovery. Less than that? Your settlement gets reduced accordingly.

Insurance Policy Limits

Your final payout is capped by how much insurance coverage the at-fault driver has.

Bonus Factors That May Increase or Decrease Your Claim

The calculator also lets you check off extra details that can impact your claim, such as:

• Police report filed
• Independent witnesses
• Having an attorney
• DUI by at-fault driver
• Commercial vehicle involved
• Pre-existing conditions

Each factor adjusts your pain and suffering multiplier up or down—helping refine the estimate.

Sample Estimate Breakdown

Here’s what the calculator shows after you enter your details:

• Economic Damages (medical bills, lost wages)
• Non-Economic Damages (pain & suffering)
• Property Damage
• Total Before Fault
• Fault-Based Reduction
• Final Payout Estimate (in a range)

Example output:

Estimated Final Settlement: $17,000 – $20,000

It even includes a legal disclaimer, reminding you that final settlements depend on many factors and may vary from this estimate.

When to Talk to a Lawyer

While the calculator gives a quick snapshot, legal cases can get complicated. You should speak to an attorney if:

• Your injury is serious or long-term
• The insurance company is pushing back
• Fault is disputed
• You’re approaching the statute of limitations

Using the calculator first helps you ask smarter questions during a legal consultation.

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