North Dakota Auto Insurance

There is a minimum amount of North Dakota auto insurance required to legally drive in the state. This insurance consists of liability, PIP insurance and uninsured motorist insurance.

Liability Insurance

Liability insurance covers damages to third parties when you are at fault in an accident. It consists of two parts; bodily injury and property damage.
• Bodily injury covers injuries and medical expenses to third parties when you are at fault in an auto accident. You are required to have at least $25,000 per person and $50,000 per accident. You can increase this amount, but you cannot lower it.
• Property damage cover damages to third parties property as a result of your driving. This most commonly is their car. It does not cover your car however, and for your car to be covered you need to have comprehensive and collision coverage. Comprehensive and collision coverage is not mandatory, and adding it to your policy will raise the premiums. The minimum amount of North Dakota car insurance is $25,000, and just like bodily injury, you can raise this amount but not lower it.

Raising this amount will also increase your premiums, however it is recommended to do so. This is because any damages over your liability amount will be your full responsibility to cover! To determine how much your rates will change by altering your coverage get an online North Dakota auto insurance quote.

PIP Insurance

North Dakota is known as a no-fault state. This means that regardless of fault, everyone involved in an accident will have their medical expenses covered. This is due to that fact that every driver must have Personal Injury Protection insurance (PIP). This insurance covers injuries to the policy holder.

Uninsured Motorist Insurance

Lastly you are required to have uninsured motorist North Dakota car insurance. This insurance covers you if you are involved in an auto accident with a motorist who does not have insurance. Instead of having you take the uninsured motorist to court, in order to collect for damages, your insurance company covers your damages.

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