North Dakota
Your AI Accident Assistant for North Dakota.
We handle North Dakota property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How North Dakota treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 6 years
- Small claims cap
- $15,000
- Fault rule
- Modified 50% bar
- First-party PA license
- Not required for consumer DIY
Owner can choose.
N.D. Cent. Code § 26.1-26 (producers, consultants, adjusters); § 26.1-26.8-11 PA bond minimum $20,000; § 26.1-26.8-12 CE 24 credits biennial + 3 ethics; § 26.1-26.8-13 written contract required
Dive deeper into North Dakota
What Claimoe does for North Dakota claims
- · Drafts every adjuster email for your approval, with North Dakota-specific language and citations.
- · Calculates your diminished value using the 17c framework.
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · North Dakota rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.