North Dakota Auto Insurance
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North Dakota Auto Insurance Requirements
One key difference in North Dakota auto insurance is that it is a “no-fault” state; one of 13 other states with “no-fault” or Personal Injury Protection (PIP) laws. In a no-fault state your insurer covers your medical bills and loss of pay if you’re involved in an accident. In most situations, there’s no need to determine fault since each North Dakota insurer pays the bodily injury expenses of the individuals it insures.
Here’s a rundown of North Dakota auto insurance requirements:
- PIP or No-Fault - $30,000 minimum.
- Bodily Injury Liability - $25,000 per person/$50,000 per accident minimum. This is required because there are situations in which claims may be filed against you when negligent operation of your vehicle causes injury or death to another person or persons.
- Property Damage Liability - $25,000 per accident minimum. This pays the costs to repair or replace property damaged by your negligent vehicle operation.
- Uninsured Motorist Coverage - $25,000 per person and $50,000 per accident minimum. This coverage protects you in the event the at-fault driver does not have auto insurance or you are involved in a hit and run accident.
- Underinsured Motorist Coverage – North Dakota requires coverage in an amount equal to your Uninsured Motorist coverage. This helps pay your bodily injury expenses that the other driver is unable to pay because his/her liability coverage is insufficient.
Other types of North Dakota insurance coverage
There are other types of coverage you can add to your policy and anything beyond the mandated coverage and coverage minimums listed above are purely optional. Considering the very high cost of medical care and auto repair though, you may wish to choose higher coverage limits for added protection.
Covering the repair or replacement value of your vehicle
Comprehensive and Collision covers the repair or replacement of your vehicle when it is in a collision or is damaged for reasons that are beyond your control including theft, vandalism, and bad weather. The insurer will pay repair bills as long as they don’t exceed the vehicle’s current market value. If they do, the insurer will declare the vehicle totaled, and issue you a check equal to the vehicle’s value.
North Dakota Insurance Department
For questions about this state’s auto insurance requirements, contact the North Dakota Insurance Department at 800-247-0560 or view the website, http://www.nd.gov/ndins.