North Dakota car accident leads
Summit Leads supplies car accident leads in all U.S. states, North Dakota included, by real-time ping/post, exclusive by default, with ZIP code filters. North Dakota is a no-fault state: a claim for noneconomic loss needs a serious injury, which N.D.C.C. 26.1-41-01 (as of October 2026) defines to include medical expenses above $2,500.
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North Dakota facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | No-fault; basic no-fault (PIP) pays economic loss without regard to fault (ND Insurance Department, as of October 2026)Auto insurance: minimum required coverage North Dakota Insurance Department |
| Basic no-fault benefit cap | $30,000 per person per accident for all economic loss (N.D.C.C. 26.1-41-01(2), as of October 2026)N.D.C.C. chapter 26.1-41, Auto Accident Reparations (sections 26.1-41-01, 26.1-41-08, 26.1-41-19) North Dakota Legislative Branch |
| Work loss benefit cap | $150 per week per person (N.D.C.C. 26.1-41-01(2), as of October 2026)N.D.C.C. chapter 26.1-41, Auto Accident Reparations (sections 26.1-41-01, 26.1-41-08, 26.1-41-19) North Dakota Legislative Branch |
| Serious injury threshold | Death, dismemberment, serious and permanent disfigurement, disability beyond 60 days, or medical expenses over $2,500 (N.D.C.C. 26.1-41-01(21), as of October 2026)N.D.C.C. chapter 26.1-41, Auto Accident Reparations (sections 26.1-41-01, 26.1-41-08, 26.1-41-19) North Dakota Legislative Branch |
| Minimum liability coverage | $25,000 per person, $50,000 per accident bodily injury; $25,000 property damage (ND Insurance Department, as of October 2026)Auto insurance: minimum required coverage North Dakota Insurance Department |
| Uninsured motorist minimum | $25,000 per person, $50,000 per accident; underinsured must match (ND Insurance Department, as of October 2026)Auto insurance: minimum required coverage North Dakota Insurance Department |
| Personal injury statute of limitations | Six years (N.D.C.C. 28-01-16(5), as of October 2026)N.D.C.C. chapter 28-01, Limitations of actions (section 28-01-16) North Dakota Legislative Branch |
| Comparative fault rule | Modified: barred if the claimant's fault is as great as the combined fault of all others (N.D.C.C. 32-03.2-02, as of October 2026)N.D.C.C. 32-03.2-02, Modified comparative fault North Dakota Legislative Branch |
| Deadline to sue for unpaid no-fault benefits | Two years after the loss is known, and no later than four years after the accident (N.D.C.C. 26.1-41-19(1), as of October 2026)N.D.C.C. chapter 26.1-41, Auto Accident Reparations (sections 26.1-41-01, 26.1-41-08, 26.1-41-19) North Dakota Legislative Branch |
| Traffic fatalities | 106 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Crashes and injuries | 10,475 crashes and 2,828 injuries in 2023 (NDDOT Crash Summary 2024)North Dakota Crash Summary 2024 (table of crashes, fatalities and injuries, 2015-2024) North Dakota Department of Transportation |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
How North Dakota no-fault shapes an accident claim
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The serious injury line decides which North Dakota claims leave the no-fault system. N.D.C.C. 26.1-41-08 (as of October 2026) exempts a secured person from liability for noneconomic loss unless the injury is a serious injury, and section 26.1-41-01(21) defines that as an accidental bodily injury resulting in death, dismemberment, serious and permanent disfigurement or disability beyond sixty days, or medical expenses in excess of $2,500.
Below that line, basic no-fault benefits carry the loss. Under N.D.C.C. 26.1-41-01(2) (as of October 2026), those benefits may not exceed $30,000 for all economic loss to one person from one accident, with work loss capped at $150 per week and funeral, cremation and burial expenses at $3,500. The North Dakota Insurance Department auto page (as of October 2026) describes this coverage as primary, regardless of fault.
For a buyer, the useful answers are the ones that show where a claim sits against those statutory lines: total medical bills so far, days missed from work or normal activity, and whether treatment is still going on.
Six years to sue and an equal-fault bar
The injury deadline is long. N.D.C.C. 28-01-16(5) (as of October 2026) gives six years for any other injury to the person or rights of another not arising upon contract, when not otherwise expressly provided. A suit for unpaid no-fault benefits runs on a shorter clock: N.D.C.C. 26.1-41-19(1) (as of October 2026) allows two years from when the person knows the loss was caused by the accident, and no later than four years after the accident, if no benefits have been paid.
Fault is compared under N.D.C.C. 32-03.2-02 (as of October 2026). Contributory fault does not bar recovery unless it was as great as the combined fault of all other persons who contributed to the injury, and damages are reduced in proportion to the claimant's share. A claimant whose fault equals everyone else's combined recovers nothing.
Buyers filterFilterA rule that decides which leads a buyer is offered, based on fields such as vertical, sub-type, state, ZIP code, homeownership or accident details. Glossary on the accident date and on fault even with a long deadline, because a recent crash with clear liability gives a firm usable records and a claimant on the right side of the equal-fault bar.
Required liability and uninsured motorist limits in North Dakota
The North Dakota Insurance Department (as of October 2026) lists the minimums state law requires: bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, uninsured motorist coverage of $25,000 per person and $50,000 per accident, underinsured motorist coverage equal to the uninsured amounts, and basic no-fault of $30,000 per person.
Because uninsured and underinsured motorist coverage are on the required list, intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary forms often ask whether the other driver was insured, so the firm knows which policy it will be dealing with.
North Dakota crash deaths and injuries
In 2023, 106 people died in motor vehicle traffic crashes in North Dakota, according to the NHTSA FARS state table. That count covers fatalities only.
NDDOT's Crash Summary 2024 adds the injury side: its ten-year table lists 10,475 crashes and 2,828 injuries in North Dakota in 2023.
What buyers in North Dakota filter on
North Dakota filters follow the no-fault and fault rules described above:
- Injury and treatment: medical bills to date, disability length and ongoing care, measured against the serious injury definition in section 26.1-41-01.
- Accident date: recency, and the separate clock for no-fault benefit suits in section 26.1-41-19.
- Fault answers: who caused the crash and who was cited, for the equal-fault bar in section 32-03.2-02.
- Representation status: whether the claimant already has a lawyer.
- ZIP code: coverage set ZIP code by ZIP code.
Where buyers filter in North Dakota
North Dakota's largest population centers are four metropolitan areas, two of which cross into Minnesota. Their Census Bureau totals for July 1, 2025 are listed below. Buyers choose ZIP codes, so they can take the North Dakota side of a border metro, rural ZIP codes, or both.
- Fargo, ND-MN: 269,528 (July 1, 2025 estimate, whole metro area)
- Bismarck: 139,750 (July 1, 2025 estimate)
- Grand Forks, ND-MN: 105,046 (July 1, 2025 estimate, whole metro area)
- Minot: 75,694 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for North Dakota car accident leads
Each North Dakota car accident lead is delivered with its TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. For North Dakota calling rules, see the state telemarketing laws table; for MVA and home improvement together, see leads in North Dakota.
North Dakota car accident lead questions
What medical expense amount makes a North Dakota injury serious?
Medical expenses in excess of $2,500, under N.D.C.C. 26.1-41-01(21) (as of October 2026). Death, dismemberment, serious and permanent disfigurement, or disability beyond sixty days also qualify.
How much do North Dakota basic no-fault benefits pay?
Up to $30,000 for all economic loss to one person from one accident, with work loss limited to $150 per week, under N.D.C.C. 26.1-41-01(2) (as of October 2026).
Do North Dakota policies include uninsured motorist coverage?
Yes. The North Dakota Insurance Department (as of October 2026) lists a $25,000 per person and $50,000 per accident minimum, with underinsured coverage at the same amounts.
Request North Dakota car accident leads
Email us the North Dakota ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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