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car accident in North Dakota
Were you at fault in the accident, ****? North Dakota is a no-fault state, meaning your insurance company will pay for your damages regardless of who caused the accident.
No
Since you were not at fault, you may be entitled to compensation. Have you contacted your insurance company about the accident?
yes
Have you received any response from your insurance company regarding your claim?

General Information:
- North Dakota is a no-fault state.
- Contact for North Dakota Supreme Court: (*) *-*.
Yes
What was the response from your insurance company regarding your claim?
We are starting the claim process through them and they are working on it.
What kind of damages are you claiming from your insurance company?

General Information:
- In North Dakota, you can claim for medical expenses, lost wages, and property damage.
Car is total loss
What is the estimated value of your car before the accident?
do not know
Do you have any documentation, like a recent appraisal or purchase receipt, that could help determine the value of your car before the accident?
yes but I don't have it with me
That's okay. Can you access it later? It's important to provide this to your insurance company to help determine the compensation for your total loss.
yes
What is the make, model, and year of your car? This can also help in determining its value.
* Kia Soul
What is the current status of your claim with the insurance company?
in process
What is the estimated timeline given by your insurance company for the claim process?
do not know yet we will hear from them again today
What is the best way to contact you once the insurance company provides an update?
text
What is your phone number for the insurance company to contact you via text?
The other driver was cited and we only want to go through our insurance company and they will deal with the other driver's insurance. But the other driver's insurance company keeps contacting us for a statement even after we gave them our insurance adjusters information and told them to talk to them. The other company says they need a statement from us to wrap things up even though they believe their client is liable and he received a citation for the accident. Are we obligated to give a statement to the other insurance company?
Did you inform your insurance company about the other driver's insurance company's request for a statement?

General Information:
- In North Dakota, you're not legally obligated to provide a statement to the other party's insurance company.
- Always consult with your own insurance company or legal counsel before providing any statements.
No but we will later today.
That's a good step. Remember, your insurance company is there to protect your interests. They can guide you on how to handle such requests.
So not giving a statement to the other insurance company will not slow down our claim?
No, not giving a statement to the other insurance company should not slow down your claim. Your insurance company will handle the claim process.
The * Kia Soul only had *,* miles on it, new auto start installed and we still had * or * payments left to make on it. We are worried all the money we get back from the insurance company will go towards paying off the wrecked car's payments and we won't have much left to buy a new car with. Has anyone in North Dakota successfully sued for the different needed to buy a new car?
Have you discussed this concern with your insurance company? They might have options for you. In general, insurance should cover the current value of the car, not the remaining payments.
Partially we will talk with them more today. This is a newer car with no previous damage so we are hoping we get good money back for it.
What is the current market value of your car? This will help in determining if you can claim more than the remaining payments.
$*,* is the estimate for a new one on today's market. I haven't gotten my actual estimate for a new one back from Kelly Blue Book.
What is the remaining balance on your car loan?

General Information:
- In North Dakota, if the insurance payout doesn't cover the remaining loan, you're responsible for the balance.
Around $*,*.*
What is the estimated amount your insurance company is offering for your car?
We do not know yet. The claim is not that far along.
What is the name of your insurance company? This will help us provide more specific advice based on their general policies.
American Family Insurance
What is the policy number of your insurance with American Family Insurance?
I do not feel comfortable giving that out at this time on-line.
That's completely fine. You should never share sensitive information online. Have you considered seeking legal advice regarding your situation?
Not as of right now
Would you like me to provide you with contact details of some local legal advisors in North Dakota?
Yes thank you
Sure, here are some local legal advisors in North Dakota:

*. Vogel Law Firm: (*) *-*
*. Pearce Durick PLLC: (*) *-*
*. Serkland Law Firm: (*) *-*

Please consult with them for further legal advice.