While North Dakota drivers must have a certain amount of car insurance coverage in place, buying only the minimum amount required by law may not be enough protection for your needs. Drivers must have at least $25,000 in bodily injury liability coverage for a single accident victim and $50,000 for multiple victims of the same accident.
Since this type of coverage pays for medical bills, rehabilitation expenses and lost wages incurred in an accident, buying only the minimum amount of coverage required by law may not be enough to fully compensate accident victims for their injuries. These expenses can add up very quickly and with the costs of health care continuing to rise, choosing a policy with a higher limit is a more prudent choice.
Ideally, you should buy as much North Dakota car insurance coverage as you can afford. The more assets you have to protect, the more insurance you need. It’s a good idea to review your insurance policy at least once a year to make sure that you have adequate insurance coverage in place.
Then you can start shopping around for coverage. Even if you aren’t planning to change your policy provisions at all, you should be getting quotes from more than one company to ensure that you are getting the best possible rates for your car insurance.