North Dakota is considered a No Fault State for personal Injury up to a certain limit for medical expenses. In a no-fault state, each driver's insurance pays for his or her own injuries up to a certain limit, regardless of who was at fault for the accident.
the total necessary medical expenses you incurred because of the accident must exceed $2,500, --or--
you must have suffered "serious and permanent disfigurement or disability" lasting more than 60 days.
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the total necessary medical expenses you incurred because of the accident must exceed $2,500,
--or--
you must have suffered "serious and permanent disfigurement or disability" lasting more than 60 days.