North Dakota Car Insurance
North Dakota law requires all drivers to purchase auto insurance. The state has some of the stringent coverage laws in the county. The minimum auto insurance coverage limits mandated by law in North Dakota are liability insurance of $25,000 per person, $50,000 per accident for bodily injury and $25,000 minimum coverage for property damage.
North Dakota drivers must also purchase basic no fault coverage of $30,00, which provides coverage for economic damages such as medical bills and lost wages regardless of fault for the accident. This coverage is also known as Personal Injury Protection.
UIM Coverage
North Dakota law also requires drivers to purchase Uninsured/Underinsured Motorist ("UIM") insurance coverage with minimum limits of $25,000 per person, $50,000 per accident for bodily injuries. North Dakota law does not require coverage for UIM property damage but it is a good idea to purchase this form of coverage. A driver with UIM is insured up the amount of the UIM limits in the event the driver at fault for the accident does not have insurance or does not have enough insurance to pay for the damages sustained in an accident.
Keep Your Car Insurance Current
It is very important that North Dakota drivers do not allow their auto insurance policies to lapse. Each day hundreds of North Dakota drivers are involved in auto accidents. Drivers without insurance in North Dakota have to pay fines, get their driver’s license suspended and may be forced to comply with state financial responsibility laws. They may also be required to purchase expensive SR–22 Insurance.
Uninsured North Dakota drivers can also be held personally responsible for all damages caused in an accident. Driving without car insurance in North Dakota is fiscally irresponsible and can lead to financial ruin.
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