North Dakota Auto Insurance Laws
Auto Insurance Laws and Trends in N.D.
North Dakota is one of the 13 states that has implemented the no -fault system of insurance. This means that each party is responsible for their injuries and damages and cannot sue the responsible party unless the injuries are so severe that the medical expenses will far exceed the insurance limits.
What are the limits for auto insurance in North Dakota
In North Dakota, each driver must purchase mandatory minimum coverage . This coverage may include:
- Bodily injury: injuries to another driver or passenger – $25,000 per person and $50,000 per accident
- Property damage: damage to another person's vehicle or personal property & $25,000 per accident
- Personal injury protection (PIP): covers the driver, passengers, or any member of the household if they are a pedestrian. Covers medical and dental expenses, funeral expenses, loss of wages, and rehabilitation – $ 30,000
- Under/uninsured motorist coverage: damage or injury sustained in an accident with an under or uninsured driver – $25,000 per person and $50,000 per accident
Other North Dakota Auto Insurance Laws
- Insurance companies must offer discounts to drivers for: multi-vehicles, multi-products, safety devices (air bags), anti-theft devices, good students, defensive driving, and accident –free records.
- Insurance companies can obtain and use a driver's credit score to determine rates without permission.
- An insurance policy can be cancelled immediately for non-payment. There is no grace period.
The North Dakota "Steer Straight" teen driving program
North Dakota has implemented a driving program aimed at helping teens to become safer drivers. This program is called "Steer Straight." After teens have completed the teen driving program, parents apply a sticker to the vehicle and other motorists can call 24/7 to report both good and bad driving habits. Statistics show that 30% of teens are involved in a crash in their first year of driving. This program has reduced the number of teen crashes by 33%.