The state of North Dakota follows a No-Fault
system meaning your insurance company will make payments for
your injury claims regardless of fault, up to a specified limit.
You should be aware that the details of a no-fault system vary
from state to state and it is best to check with your state
insurance regulator. Visit our
State
Insurance Regulators page for a list of links to all the
state insurance regulators websites.
North Dakota state law requires minimum
Bodily Injury Liability coverage of $25,000 per injured person
up to a total of $50,000 per accident, and Property Damage
Liability coverage with a minimum limit of $25,000. This basic
coverage is often referred to as 25/50/25 coverage.
Personal Injury Protection (PIP) in your
coverage helps pay for "reasonable and necessary" medical
expenses for you and your passengers. North Dakota state law
requires a minimum Personal Injury Protection coverage of
$30,000.
To help protect against damages caused to
you and your passengers by an uninsured driver, North Dakota
state law requires a minimum Uninsured/Underinsured Motorist
coverage of $25,000 per person, $50,000 per accident for any
bodily injury caused by the uninsured driver.
