North Dakota operates under no-fault car insurance laws and all drivers are required to obtain car insurance. If you are new to North Dakota and not familiar with no-fault car insurance its important to understand exactly how no-fault car insurance works. Only a dozen States currently (2010) have no-fault auto insurance laws and car insurance requirements are different requiring personal injury protection, liability insurance and more.
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Car Insurance Laws in North Dakota
Since North Dakota operates under no-fault car insurance laws it can be confusing for people coming from a state operating under the traditional tort system. In addition to learning about the types of car insurance coverage available you also have to learn what no-fault auto insurance means. Basically no-fault car insurance is a set of laws created to minimize nuisance lawsuits and expedite claims processing while ideally lowering car insurance rates. When a car accident happens each drivers own liability insurance protection will cover the damages they incurred since nobody was technically at fault. There are still many conditions under which a driver can sue especially accidents caused by extreme negligence or where damages exceed policy limits of coverage but most no-fault car insurance states have seen a rapid decline in car insurance lawsuits.
North Dakota Car Insurance Requirements
North Dakota requires all drivers to have minimum mandatory levels of car insurance as follows:
- Bodily Injury Liability: $25,000 / $50,000
- Property Damage Liability: $25,000 (per accident)
- Uninsured Motorist (UIM) Coverage: $25,000 / $50,000
- Underinsured Motorist Coverage: $25,000 / $50,000
- No-Fault Basic Car Insurance (PIP): $30,000 per person
Basic no-fault car insurance is offered typically only in no-fault car insurance states and provides coverage for financial loss (such as medial costs and loss of income) as a result of injuries sustained in a car accident without regard to fault. PIP (personal injury protection) is another term for No-Fault Basic Car Insurance.
What is the Penalty for Driving with No insurance in ND?
Drivers convicted of operating a vehicle without the required car insurance are subject to a mandatory fine of at least $150. However if you become involved in a car accident operating a vehicle with no car insurance then your drivers license will automatically be suspended and the State will charge 14 points to your driving record (enough to automatically trigger a suspension)
North Dakota Car Insurance Companies
Almost all major car insurance companies offer coverage to North Dakota residents including Allstate, Esurance and Progressive however North Dakota is home to almost 100 car insurance companies so take your time and look at both well known car insurance companies and more local or regional providers. The key to finding the best ND car insurance rates will be to start a car insurance quotes comparison search online.
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