North Dakota auto insurance is required for all motorists. There are certain coverages and coverage amounts that are required under North Dakota law. Uninsured drivers will be punished with a mandatory fine starting at $150. If you are uninsured at the time of an accident, 14 points will be added to your driving record, thereby revoking your driving privileges.
It is important to know the basics of North Dakota auto insurance to make informed decisions about your coverage. Read on to boost your knowledge of North Dakota auto insurance!
Required Coverage
North Dakota motorists must carry bodily injury liability, property damage liability and uninsured/underinsured motorist coverage in at least the minimum state-required amounts.
Bodily injury liability provides compensation for other motorists you have injured in an auto accident. The state-required minimum amounts are $25,000 per person and $50,000 per accident.
Similarly, property damage liability provides compensation for damage you have caused to another motorist's car resulting from an auto accident. The minimum amount of coverage required by the state is $25,000.
Uninsured/underinsured motorist coverage supplements the liability coverage an uninsured motorist should have to compensate for damages. Therefore, the minimum amounts for uninsured and underinsured motorist coverage are the same as the minimum amounts for bodily injury liability.
Additional Coverage
There are other forms of coverage you may add to your North Dakota auto insurance policy to cover all kinds of damage to your car.
Collision coverage may be incorporated into your North Dakota auto insurance to cover any damages resulting from a collision with another car. Many lenders will require this coverage if you have borrowed money to purchase your automobile.
Comprehensive coverage pays for damages resulting from non-accident related events. Comprehensive coverage would pay for damage from hail, fire and flood, as well as theft and vandalism.
There may be other forms of coverage offered by your North Dakota auto insurance agent to increase the protection of your automobile. Keep in mind that adding these coverages will increase your premium, so be sure you can afford to add these coverages before signing the dotted line.
Assigned-Risk Plan
If you are unable to find North Dakota auto insurance because of your driving record, you may be eligible to purchase coverage under the North Dakota Automobile Insurance Plan.
Under the plan, you will be put into a high-risk pool of applicants which is evenly distributed amongst licensed insurers in North Dakota. The idea is to provide high-risk drivers with North Dakota auto insurance and be fair to the insurers that must cover them.
It is important to understand that high-risk coverage brings with it very expensive premiums and should therefore only be considered as a last resort.
Additional Resources
The North Dakota Insurance Department is an excellent resource for information on North Dakota auto insurance. You may contact them at (701) 328-2240 or visit them on the Web.
For more information on the North Dakota Auto Insurance Plan, call (877) 251-3200.
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