North Dakota Car Insurance

In today's fast and frenzy world, accidents occur all the time. The cost of expenses due to losses which one has to bear in the event of an accident is sometimes so large that it becomes impossible to pay the whole amount at one go.

Auto insurance, if already acquired, helps to cover a major part of these expenses during such tragic accidents. Hence it is advised to avail auto insurance as early as possible, preferably at the time of purchase of your vehicle.

Insurance requirements in the state:

North Dakota requires its citizens to have a minimum bodily injury liability coverage of $25,000 up to a total of $50,000 per injured person per accident as per its state law. Besides, it is also mandatory for the citizens to have a minimum property damage liability coverage of $25,000.

This is the most basic insurance coverage which the citizens of North Dakota are required to acquire and is commonly referred to as the 25-50-25 coverage.

The state of North Dakota (ND) follows the No-fault system, according to which the costs and expenses of the damages occurred are always borne up to a certain limit by the insurance company of the people involved in the accident regardless of the fault of the person.

Besides the basic coverage, the state also requires its citizens to possess the Personal Injury Protection (PIP) coverage with a minimum limit of $30,000. In the event of an accident the PIP coverage helps to pay for the medical expenses, up to a reasonable limit, of yours and your passengers.

It is also mandatory, as per the state law, to possess the Underinsured/uninsured Motorist coverage at a minimum limit of $25,000 up to a total of $50,000 per injured person per accident. This insurance helps you to pay for the damages occurred in the event of an accident with an uninsured/underinsured motorist.

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