A victim of a hit-and-run accident has experienced a terrible injustice. There is something unfair and cruel in the actions of a person who hits another vehicle and drives away, fleeing the scene without checking to see if everyone is okay.
When a driver flees the scene, you’re left behind with injuries, a damaged vehicle, and a lot of questions about what happens next.
This is an incredibly disorienting experience. The usual roadmap that people follow after an accident involves exchanging information, filing a claim, and negotiating a settlement, but that doesn’t apply when the other driver has disappeared.
Thankfully, you still have options! North Dakota law builds in protections for exactly this situation, and the Grand Forks hit-and-run accident attorneys at Lowe Law Group know how to use them. We handle the investigation, insurance process, and every step in between. You can focus on getting better, while we handle the rest.
Typically, after a car accident in Grand Forks, the standard procedure is to go after the at-fault driver’s insurance for the full compensation you deserve. A hit-and-run completely changes the game. If you can’t track down the driver, you lose access to their liability coverage. So where does the compensation come from?
The answer, in most cases, is your own auto insurance policy.
North Dakota requires all drivers to carry Personal Injury Protection (PIP) coverage. PIP pays for your medical expenses and a portion of lost wages regardless of who caused the crash. It kicks in first, regardless of fault, and doesn’t require identifying the other driver.
Beyond PIP, North Dakota law also requires insurers to offer uninsured motorist (UM) coverage. When a hit-and-run driver cannot be identified, they are treated as an uninsured motorist under North Dakota Century Code Section 26.1-40-15.2. That means your UM coverage steps in to cover the gap. It can pay for injuries, lost income, and other losses that exceed what PIP covers.
There is an important detail here: most UM policies require some form of physical contact between your vehicle and the fleeing driver’s vehicle. If the crash was a “phantom driver” situation, where someone cut you off and you swerved without contact, the claim becomes more complex. A personal injury attorney in Grand Forks can evaluate whether your facts satisfy the contact requirement or whether another path exists.
Hit-and-run accidents need a lot of evidence, but that evidence starts disappearing fast.
Traffic camera footage may only last for a few weeks, and surveillance video from nearby businesses could be overwritten within a couple of days. Tire marks and debris fields shift with traffic and weather, and witnesses who stopped at the scene scatter and become harder to locate as days pass.
As experienced hit and run injury lawyers in Grand Forks, ND, we get started immediately when you contact us. One of our central jobs is to collect evidence that can be used in your case. That means that we:
Drivers are identified more often than you might expect. They can be ID’d in tip lines, traffic cameras, and police investigations. Identifying the driver can transform your claim, opening a path to liability compensation that UM coverage alone doesn’t offer. Young and inexperienced drivers who panic and flee are often identified quickly through these same channels. If a teen driver caused your crash, a Grand Forks teen driver accident lawyer can help you pursue compensation once they are found.
Dr. Andrew Georgi, our Medical Director, will begin documenting your injuries from day one. Dr. Georgi is a full-time member of our team, not an outside consultant. He spent years as an anesthesiologist, assisting in over 10,000 surgeries, before joining Lowe Law Group to build something that doesn’t exist at other firms: a doctor working directly alongside attorneys on every serious injury case.
He identifies complications that may not appear in early emergency records, documents the long-term picture, and produces medical analysis that insurance adjusters cannot easily dismiss.
There is no single path to compensation in a hit-and-run case. We evaluate every available avenue and pursue the ones that will produce the best outcome for you.
This is the primary recovery mechanism in most hit-and-run cases. UM coverage pays for medical expenses, lost wages, pain and suffering, and other damages caused by an uninsured or unidentified driver. The limits on your policy determine the ceiling, which is why we document injuries and losses as thoroughly as possible. Every dollar of coverage you’re entitled to should be recovered.
If the driver is identified through police investigation, witness accounts, or the evidence we preserve, you can pursue a direct liability claim against them and their insurer. This often produces significantly higher recovery than a UM claim alone, particularly in cases involving serious injury.
In some cases, other parties share responsibility for the crash, such as a bar or restaurant that over-served the driver, a vehicle manufacturer whose defective parts contributed to loss of control, or a municipality responsible for road conditions. We review every fact of your case to determine whether additional defendants exist.
People are often surprised to learn that filing a UM claim means trying to get your own insurer to give you the compensation that you need. Think of it this way: your insurance company wants your premiums. They do not want to pay out claims. That tension is real, and it shows up quickly after a hit-and-run.
Several of our attorneys spent years working on the defense side, inside the insurance industry. They sat in on claim reviews. They saw firsthand how adjusters are trained to evaluate UM claims, what questions they ask, and what arguments they use to reduce payouts. That experience now works for you.
Here is what to expect from insurers in hit-and-run cases:
Once the attorneys at Lowe Law Group are involved, you no longer have to deal with the insurers directly. We can take over handling all the communication, negotiations, and paperwork.
It’s very normal to ask: What is my hit-and-run claim worth? Unfortunately, there is no consistent, standard answer to this important question. Every case is dependent upon the facts of the crash, including details like the severity of your injuries, how those injuries affect your life, the coverage limits available, and whether the at-fault driver is ever identified.
What we can tell you is that most people underestimate what they’re entitled to recover. Insurance adjusters count on that.
Economic damages typically include:
Non-economic damages cover what doesn’t appear on a bill:
These are real losses, and we build the record to prove them.
In hit-and-run cases, UM coverage limits can become a constraint. That is why we document injuries and losses exhaustively from the beginning. We want every dollar of available coverage justified and pursued.
Managing a hit-and-run claim on your own means navigating insurance policy language while you’re still in pain. It means fielding calls from adjusters who are trained to settle for less. It also means chasing down police reports, wondering whether surveillance footage still exists, and making decisions about your medical care without knowing how those decisions affect your legal case.
All of that, while trying to work, rest, and recover. No wonder so many people give up or end up feeling overwhelmed.
Here is what it looks like when you hand this to us instead.
In your free consultation, you’ll let us know exactly what happened. Our job in this session is to listen and find out how your life has been changed by another person’s negligence. We’ll answer your questions, too, and give you our honest take on your case. By the end of your consultation, you’ll know exactly what options you have under North Dakota hit-and-run laws.
While you are recovering, Dr. Georgi is documenting your injuries. Our investigators are preserving evidence. Our legal team is identifying every source of available compensation and preparing a claim the insurer cannot easily dismiss. If they refuse to be fair, we go to trial. Either way, you pay nothing unless we win.
You can still recover compensation through your UM coverage. The police report documenting the hit-and-run is important evidence, but you do not need the driver to be caught in order to file a claim. We handle cases regularly where the at-fault driver is never found.
If you carry UM coverage, yes. North Dakota insurers are required to offer uninsured motorist protection, and a hit-and-run driver qualifies as an uninsured motorist under state law. Whether your specific policy includes it, and at what limits, depends on the terms of your coverage. We review policies as part of every case evaluation.
North Dakota’s statute of limitations for personal injury claims is six years from the date of the accident. That is longer than most states, but waiting creates real problems: evidence disappears, witnesses become unreachable, and your medical picture takes longer to resolve. We recommend reaching out as soon as you are physically able.
Your options narrow, but they don’t disappear. PIP still covers initial medical expenses. If the driver is later identified, you can pursue a direct claim. We can also explore whether any third-party liability exists. A case evaluation helps clarify what paths are available.
Concerns about rate increases stop many people from filing claims they are fully entitled to make. Under North Dakota law, insurers are generally restricted from increasing rates solely due to a not-at-fault UM claim, though other underwriting factors may still affect premiums.
Not before speaking with an attorney. Even with your own insurer, a recorded statement made before you understand your rights and the full scope of your injuries can be used to limit your recovery. Contact us first. We handle all communications on your behalf from the moment you hire us.
A hit-and-run leaves you with no easy opponent to point to. The other driver is gone, the process is unfamiliar, and your own insurance company isn’t necessarily on your side. That combination is exactly what Lowe Law Group is built to handle.
There’s no cost to talk, no pressure to commit, and no fee unless we win. We will tell you honestly what your case looks like, what we think it’s worth, and how we plan to pursue it.
Then we get to work.
Your priority now is to heal. Ours is to win your case. Here’s our 3-Step Approach:
Let us listen to your story. We’ll provide a free, no pressure case evaluation.
Our team handles everything: the legal process, gathering paperwork, reviewing your medical treatment, and more.
We win your case and maximize your compensation or we don’t get paid, guaranteed.
I was hit on my MOTORCYCLE by a PODS TRUCK in June, yep, you read that right, PODS TRUCK. I was fortunate to walk away, but knew I needed a lawyer for an accident of this magnitude. Now, let me start by saying I don’t trust lawyers, never have. But had to put my differences aside and trust this GROUP of LAWYERS from a different state…
I was hit on my MOTORCYCLE by a PODS TRUCK in June, yep, you read that right, PODS TRUCK. I was fortunate to walk away, but knew I needed a lawyer for an accident of this magnitude. Now, let me start by saying I don’t trust lawyers, never have. But had to put my differences aside and trust this GROUP of LAWYERS from a different state to handle my affairs. RIGHT AWAY, from the beginning, MARISSA REED, WAS A ROCKSTAR!!! Made me feel at ease and answered all of my ridiculous questions like a VETERAN. Now, this has taken almost 9 months to complete, and it was well worth the wait. Marissa Reed took my settlement to a PLACE WHERE ONLY EAGLES SOAR BABY!! I GOT WAAAAY MORE than expected all thanks to the LOWE LAW GROUP AND FIERY MARISSA REED. Thank you Marissa, for ALL YOU DID FOR ME, AND ALL MY STUPID QUESTIONS. I’m alive, have a HEFTY settlement to spend and am more than thankful for these LAWYERS!! MY ATTITUDE HAS CHANGED FOR THE BETTER ON THEM! HELL YA!!
-Christian W.
Washington
I was hit by a trailer that crossed the median while I was driving on the highway which not only destroyed my car, but I have had to deal with a concussion, neck and back pain along with other PTSD issues. Life happens, some events alter your life, and it can be difficult to adjust. Lowe Law Group is the absolute best. If you want someone who’s gonna be in your c…
I was hit by a trailer that crossed the median while I was driving on the highway which not only destroyed my car, but I have had to deal with a concussion, neck and back pain along with other PTSD issues. Life happens, some events alter your life, and it can be difficult to adjust. Lowe Law Group is the absolute best. If you want someone who’s gonna be in your corner and help you out big time. I HIGHLY recommend them. They made it so much easier, and they don’t care just about money. They want you to be able to get the help you need to recover. Specifically, James Brandenburg has been so helpful and relatable. Where other companies have made me feel just like a number, he has made me feel like a friend.
-Maia. C
Idaho
I have been working with Lowe Law Group since May 2023. I was in a terrible head on collision and have been undergoing coming up on 2 years of medical treatment. I have had 3 case managers throughout the 2 years and have been working closely with Cassi these last few months and she has been amazing. She keeps me updated on whats going on with my…
I have been working with Lowe Law Group since May 2023. I was in a terrible head on collision and have been undergoing coming up on 2 years of medical treatment. I have had 3 case managers throughout the 2 years and have been working closely with Cassi these last few months and she has been amazing. She keeps me updated on whats going on with my case and is doing everything in her power to ensure the best outcome. She has come up with ideas my other two case managers had not that will benefit me in the long run! Its so nice to be able to feel taken care of and having a team backing you.
– Hailey B. Washington
I was in my car waiting at a stoplight when I was rear ended hitting my head, giving me whiplash, and a concussion. It also reaggravated other injuries I was making progress on. Cyra at Lowe Law Group was great jumping right into my case. She was professional and did well in keeping me informed of the process and updating me as needed. There were some challe…
I was in my car waiting at a stoplight when I was rear ended hitting my head, giving me whiplash, and a concussion. It also reaggravated other injuries I was making progress on. Cyra at Lowe Law Group was great jumping right into my case. She was professional and did well in keeping me informed of the process and updating me as needed. There were some challenges in dealing with the culpable party but Lowe Law I believe was able to get me the best settlement possible given all the circumstances and would recommend to anyone who has been involved in an accident.
– Nick W. Colorado
I had a wonderful experience with Lowe law group after my accident. They were great and my case manager Cyra was an absolute ANGEL to work with!! Highly recommend.
I cannot say enough, good things about Heather at Lowe Law Group! From the very beginning, she was a beacon of kind…
I cannot say enough, good things about Heather at Lowe Law Group! From the very beginning, she was a beacon of kindness, compassion, and professionalism. She truly cares about her clients, and her empathy shines through in every interaction. Heather made a potentially overwhelming process feel effortless, guiding me with such care and attention to detail that I always felt completely supported and understood. It’s rare to meet somebody who combines such warmth with incredible expertise, but Heather doesn’t flawlessly. She’s truly a gem, and I am beyond grateful for everything she has done!
Giselle was always kind. I love how she always communicated with me through this whole process. If I didn’t understand…
Giselle was always kind. I love how she always communicated with me through this whole process. If I didn’t understand something , She would explained it in terms that I could. I give Giselle and Lowe Law Group a 5 star rating. I highly recommend this Law Group if you are needing one. Thank you to everyone for your time consuming and hard work.😀
After one of the worst things that has happened to my daughter or me, Harmony was able help me work throug…
After one of the worst things that has happened to my daughter or me, Harmony was able help me work through it in every aspect I needed. From the first day we spoke she worked was so kind, honest and she worked hard for us and went above and beyond. Giving me space when I needed it encouraged me to talk when I needed to. She helped me get medical information, check out the boxes of requirements, find a counselor, and More behind-the-scenes I don’t even know about. I NEVER FELT ALONE, it stopped being my battle and it became her’s.This whole process took maybe five months and at the beginning I guessed this would be over one year. I really appreciate her and because of her work! If I ever meet someone who has an unfortunate accident, I will give them the contact information for Lowe Law Group and song their/ Harmony’s praises! THANK YOU HARMONY!
Being in a car accident and dealing with everything from the car damage to the injuries and everything in between is very…
Being in a car accident and dealing with everything from the car damage to the injuries and everything in between is very stressful. I am so grateful for everyone at Lowe Law for helping me every step of the way. Kaitlyn kept me updated on the progress of the case and answered all the questions I had. Jason and Pete are very knowledgeable and explained each step and helped guide me throughout the process. I would highly recommend them to anyone who has been in a car accident.
Thanks to Ethan for his gentle persuasion and persistent efforts.
…
Thanks to Ethan for his gentle persuasion and persistent efforts. I am very grateful to have the burden shifted to the real professionals. I might even be able to ski this winter as I expect to be recovered from this accident by the time Powder Mountain has enough snow.
Thank You Olga Baranova ( I mention you first and foremost due to the fact you were my case manager, and whom I had prima…
Thank You Olga Baranova ( I mention you first and foremost due to the fact you were my case manager, and whom I had primary contact with.) And to all who worked for me, with me, & on my behalf. For the knowledge, expertise & professionalism applied .. I not only applaud you all .. I thank you all. Wishing Blessings Bountiful To All As well as Good Health, Good Fortune Kind Regards Marc Goulet & Family.
Marissa Reed IS AWESOME!! Took 1+yrs. Difficult client & case she made it look easy. A True Professional. Need more like Marissa!!! THANK YOU SO MUCH!!!!
I answered an advertisement for this law group. I had fired the first attorney. So I retained Lowe Law Group, and Maris…
I answered an advertisement for this law group. I had fired the first attorney. So I retained Lowe Law Group, and Marissa Reed was my contact person. She could not help me but pointed me in the right direction. No charge. Thank you Marissa. I very much recommend this Law Group.
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