North Dakota Laws

North Dakota is a no-fault state. This means that your insurance company pays most of the economic losses you suffer in an accident, regardless of who was at fault.  No-fault IS the Personal Injury Protection (PIP) on your policy. No-fault covers your medical costs and wage loss.

 

Minimum Amount of Coverage Required in North Dakota:

 

A. Liability Coverage (protects your assets in case you are found to be at fault in an auto accident):

1. $25,000 for injuries to one person

2. $50,000 for injuries to two or more people

3. $25,000 for physical damage to the other driver’s vehicle or for damage to property

B. Personal Injury Protection (PIP or No-fault) (provides for immediate medical care and at least partial wage-loss reimbursement without waiting for the outcome of a lawsuit):

• $30,000 per person per accident

C. Uninsured (provides compensation for your injuries when caused by another driver who has no insurance at all):

• $25,000 for injuries to one person

• $50,000 for injuries to two or more people

D. Underinsured (provides compensation for your injuries when caused by another driver who has inadequate insurance):

• $25,000 for injuries to one person

• $50,000 for injuries to two or more people

 

Related Topics:

• North Dakota Laws

• Process of Filing an North Dakota Car Accident Claim

• Damages you can Recover

• Disputing a Claim

• North Dakota Car Accident Facts