In North Dakota, auto accidents lead to property damage and personal injuries. The circumstances of the accident determine if criminal charges are applied to a driver. Reviewing the outcome of the accident determines if the victim has the legal right to file a legal claim. An auto collision lawyer in Bismarck, ND explains vital details to victims of auto accidents.
What are the Minimum Requirements for Auto Insurance?
The minimum requirements for auto insurance start with bodily injury liability coverage of $25,000 with a maximum of $50,000. Property damage liability coverage equates to $25,000. Uninsured/underinsured motorist coverage offers a minimum of $25,000 with a maximum of $50,000. No-fault personal injury protection coverage equates to $30,000 per person.
Understanding No-Fault Insurance Laws
In a no-fault insurance state, the victims of auto accidents are required to purchase their own insurance coverage and maintain it as specified in the current state laws. When they sustain an injury in an auto accident, the individual receives coverage for medical expenses through their own personal injury protection coverage. Their property damage coverage pays for their auto repair expenses.
When Can a Victim Sue?
Under state no-fault laws, a victim of an auto accident cannot file a lawsuit unless their medical costs exceed $2,500 and their injuries are serious. Serious injuries are injuries, disabilities, or disfigurements that last for longer than 60 days. Credible medical evidence must support their claim.
What Compensation is Available Through a Lawsuit?
If the victim wins their lawsuit, they receive economic damages that weren’t recovered through their insurance coverage. Victims can seek pain and suffering, as well as, other tort-based awards in a lawsuit. It is also possible for the victim to recover lost wages due to their injuries.
In North Dakota, auto accidents in a no-fault state present tricky situations for some victims. Under the state laws, unless the victim sustains serious injuries he or she isn’t allowed to file a lawsuit. Under the circumstances, the victim must collect compensation through PIP insurance. Victims who sustained serious injuries and need legal help contact an auto collision lawyer in Bismarck, ND or click here for more information.