North Dakota Pre-Settlement Funding

From a Bakken well site to a winter pileup on I-94. Non-recourse cash while your injury case plays out.

North Dakota’s economy runs on oil and agriculture, and both come with serious injury risk. The Bakken shale fields around Williston and Watford City put thousands of workers and heavy trucks on rural highways like US-85 and US-2, often in brutal winter conditions. When a crash or a job site injury happens out here, the nearest trauma center can be hours away. Personal injury cases then take years to work through the courts. North Dakota pre-settlement funding helps you hold on. It’s a non-recourse cash advance against your active injury claim. You repay it only if the case settles or wins. If it doesn’t, you owe nothing. We fund plaintiffs across all 53 counties, from Fargo and Bismarck to the oil patch in the west.

✓ No Win, No Repayment

✓ $500 to $250,000+

✓ All ND Case Types

Apply For Pre-settlement Funding

Who Qualifies in North Dakota

North Dakota lawsuit funding is available to plaintiffs with an active personal injury case, a contingency attorney, and a claim still inside the statute of limitations. North Dakota gives you a generous six-year window for most injury claims, so timing is rarely the obstacle here. Underwriting looks at how clear the liability is, what insurance or assets stand behind the defendant, and how well your injuries are documented. We never check your credit, your income, or your job. North Dakota uses a modified comparative fault rule, so sharing some of the blame won’t end your case as long as your share stays below the other side’s. The advance is sized against your expected recovery, which is why your attorney’s read on the case matters.

Active North Dakota Filing

A personal injury case filed in a North Dakota district court or in the U.S. District Court for the District of North Dakota. We fund plaintiffs in all 53 counties, from Cass and Burleigh to Williams, McKenzie, and Stark in the heart of the oil patch.

Contingency Attorney

You’re represented by a North Dakota-licensed attorney working on contingency. Underwriting coordinates with the firm to gather the records. Out-of-state workers injured in the Bakken still qualify, which matters in a state where so much of the oilfield workforce comes from elsewhere.

Documented Damages

Fault that points to the other side, medical records that back up the injury, and a defendant with reachable insurance or assets. Under North Dakota’s modified comparative fault rule, a plaintiff who carries a minority share of fault can still hold a fundable case.

Personal Injury Cases We Fund in North Dakota

Oil, agriculture, and long rural highways shape the injuries we see here. These are the six case types our team handles most across North Dakota.

Bakken Oilfield and Energy Injuries

Third-party injury claims from well site accidents, rig failures, and equipment injuries across the Bakken and Three Forks formations around Williston, Watford City, and Dickinson. Workers’ comp doesn’t block a separate claim against a negligent contractor, operator, or equipment maker.

Truck and Highway Crashes

Crashes involving crude, water, and equipment haulers on US-85 and US-2, plus serious wrecks on I-94 and I-29, often made worse by ice, snow, and the long distances between towns. Heavy oilfield traffic keeps these highways among the most dangerous in the state.

Agricultural and Farm Injuries

Third-party claims from combine and tractor accidents, grain handling injuries, and equipment failures across the Red River Valley and the wheat and soybean country that covers most of the state. Defective machinery and negligent contractors are common targets.

Serious Injury Auto Cases

Car and motorcycle crashes serious enough to clear North Dakota’s no-fault threshold and open the door to a claim for pain and suffering. These run across the Fargo, Bismarck, Grand Forks, and Minot metros and the rural highways between them.

Medical Malpractice

Surgical errors, delayed diagnosis, and birth injury claims at Sanford Health in Fargo and Bismarck, Altru Health in Grand Forks, CHI St. Alexius, and Trinity Health in Minot, plus the rural critical access hospitals serving the rest of the state.

Premises Liability

Slip-and-fall, negligent security, and unsafe condition claims at hotels, retail centers, work camps, and apartment complexes in the boomtowns and across the larger cities, where rapid growth has outpaced safety in some places.

Get a North Dakota lawsuit advance today

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Or call toll-free at (800) 961-8924.

North Dakota Pre-Settlement Funding Laws and Regulations

North Dakota stands out for two reasons. It gives injured people one of the longest filing windows in the country, six years for most personal injury claims, and it runs auto cases through a no-fault system with a serious injury threshold. The state also uses modified comparative fault, so partial fault reduces a recovery rather than wiping it out, up to a point. The summary below is a plain-language reference, not legal advice. Confirm your own deadlines and rights with your attorney before relying on any of it.

Statutes of Limitations

Personal injury (general): 6 years, N.D.C.C. Section 28-01-16 ^[1]
Medical malpractice: 2 years from discovery, with a 6-year statute of repose (N.D.C.C. Section 28-01-18)
Wrongful death: 2 years from the date of death (N.D.C.C. Section 28-01-18)
Claims against the state or a political subdivision carry separate notice rules and shorter deadlines

North Dakota’s six-year personal injury window is one of the most generous in the nation. But medical malpractice and wrongful death both run much shorter at two years, and claims against a government body follow their own track. Don’t assume the six-year rule covers everything.

No-Fault and the Serious Injury Threshold

Bodily injury liability: $25,000 per person / $50,000 per accident ^[2]
Property damage liability: $25,000
North Dakota is a no-fault state. Drivers carry personal injury protection (PIP), with a minimum of $30,000 in basic no-fault benefits
To sue for pain and suffering, the injury must meet the serious injury threshold, such as more than $2,500 in medical expenses or a serious and permanent injury (N.D.C.C. Chapter 26.1-41)

The threshold decides whether an auto case can produce a recovery beyond no-fault benefits. Underwriting looks closely at whether the injury clears it. Medical bills over the dollar threshold, surgery, or a documented permanent injury usually mean the lawsuit is fundable. Confirm current limits with the NDDOT.

Modified Comparative Fault

North Dakota follows modified comparative fault (N.D.C.C. Section 32-03.2-02)
A plaintiff can recover as long as their share of fault is not as great as the combined fault of the others
In practice, a plaintiff who is less than 50% at fault recovers, with the award reduced by their percentage
A plaintiff at or above that share is barred from recovery

Modified comparative fault is more forgiving than a strict contributory rule but less forgiving than a pure one. Underwriting weighs your expected recovery after fault is divided. A case where you carry a minority share of fault can still be funded. It just affects how much we can advance.

How to Apply for North Dakota Pre-Settlement Funding

The application takes five minutes. Most North Dakota files have a funding decision before the next business day ends.

Tell Us About Your Case

Fill out the form above or call (800) 961-8924. We’ll need your case type, the county where it’s filed, and your attorney’s name and phone number. That’s the whole application.

We Review the Case

Our underwriting team contacts your attorney and pulls the records. We look at liability, available insurance, documented damages, and how comparative fault is likely to land. Most ND files get a decision the same business day the attorney responds.

Money in Your Account

Sign the funding agreement with your attorney and we send the ACH the same day. Most North Dakota plaintiffs have the deposit in their account within 24 hours of signing.

Questions from North Dakota Plaintiffs

I was hurt on a Bakken well site. Can I get funded?

Yes, if you have a third-party injury case on file. Workers’ comp in North Dakota covers an injury tied to your own employer, but it doesn’t stop a separate civil claim against a negligent third party, like a drilling contractor, a site operator, or an equipment manufacturer who isn’t your direct employer. That third-party claim is the part we fund. The oil and gas work across the Bakken produces a steady number of these filings every year, and the injuries tend to be serious. If your attorney has filed the case, send it over for review.

My car accident is under no-fault. Can I still get funded?

It depends on whether your injury clears North Dakota’s serious injury threshold. No-fault PIP pays your medical bills and some lost wages no matter who caused the crash, but it isn’t a lawsuit we can fund against. What we fund is the separate claim for pain and suffering, and that only exists once the injury crosses the threshold, generally more than $2,500 in medical expenses or a serious, permanent injury. If your attorney has filed a bodily injury suit on top of the no-fault claim, that’s the fundable piece.

I worked in the oil patch but I live out of state. Am I eligible?

Yes. What matters is where the case is filed, not where you live. A large share of the Bakken workforce comes from out of state, and plenty of our North Dakota files involve workers who were injured here but have since gone home. As long as a North Dakota-licensed attorney has filed your personal injury case in the state, you can apply from anywhere. We coordinate with your North Dakota attorney and send the funds wherever you are.

My accident was a few years ago. Is it too late to apply?

Probably not. North Dakota gives you six years to file most personal injury claims, one of the longest windows in the country, so a case from a couple of years back is often still well within the deadline. As long as your case is active and hasn’t settled, you can apply at any stage. A case that’s been building for a while sometimes has stronger documentation, which can make the underwriting review faster. Check with your attorney to confirm your specific deadline, then send the file over.

Submit your North Dakota lawsuit loan application today