Fault & Liability in Car Accidents in ND

North Dakota runs a no-fault auto insurance system, so your own insurer pays your first $30,000 in bills regardless of fault. You can only sue the at-fault driver once your injury crosses the state's serious-injury threshold.

North Dakota bars your recovery only if your share of fault is as great as everyone else's combined, and each defendant pays only its own percentage. Here is how the 50% rule actually works after a crash.