State law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability for auto insurance. Uninsured/underinsured motorist bodily liability, with a limit of $25,000/$50,000, and personal injury protection, with a $30,000 limit, are also required.

Bodily injury liability: If you are at fault in an accident, bodily injury coverage will cover the other party’s injuries, death, loss of wages, and pain and suffering costs. However, it does not cover the injuries, death, loss of wages, and pain and suffering costs of you or anyone else on your policy. In the event you are sued by the other party, this coverage will also cover the expense of you auto insurance company representing you in court.

Property damage liability: When you cause accidental damage to another person’s property, be it a car, fence, pole, wall, etc, with your vehicle, property damage liability will cover repairing costs. It will also cover any legal costs that may ensue from the accident. Any additional costs over your coverage amount could leave you paying for repairs out of pocket.

Uninsured/underinsured motorist bodily injury: In the scenario you’re in an accident and the other driver, who is at fault, does not have auto insurance, uninsured motorist liability will cover you, passengers in your car, and any of your dependents for your medical expenses, pain and suffering, loss of wages, and funeral expenses up to the limit you purchased for your policy. If you do not have health insurance, this particular coverage is especially beneficial for you.

Personal injury protection: Regardless of who was the driver at fault, personal injury protection covers the medical expenses of you and your passengers when in an accident. You may consider using this coverage in conjunction with the coverage of your current health insurance policy. It also covers the medical expenses of any pedestrians struck by your vehicle. If you constantly carpool, you will want to consider increasing the limit of your personal injury protection above the minimum to provide monetary help to your passengers if they’re ever involved in your accident.

North Dakota operates under a no-fault system, meaning the medical expenses of an individual’s injuries are the responsibility of that same individual’s auto insurance company, regardless of who was at fault for the accident. In other words, each person pays for their own medical expense. However, the driver at fault can be solely responsible for repairs of all vehicles and/or property damaged.

In the state of North Dakota there are heavy penalties for driving without auto insurance. If caught, you could be faced with a fine of $150 for a first offense. In addition to the fine you could be given six to 12 points on your driving record. For the second offense, you will be fined $300, have another six to 12 points added to your driving record, and be required to provide proof for a three year period that you have insurance. This is all noted on a new driver’s license you will be required to purchase for $50.

North Dakota Auto Insurance Requirement Chart:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Coverage: $25,000 Limit
• Uninsured Motorist Liability: $25,000/$50,000 Limit
• Personal Injury Protection: $30,000 Limit

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