North Dakota is a no-fault state for car insurance coverage purposes. People who have been injured in a car accident would have their medical bills and related expenses paid for by their own insurance company. All drivers in that state are required to buy Personal Injury Protection (PIP) coverage of at least $30,000 that would be used for these claims.
If the injuries are serious enough and meet the threshold set by the state, an injured person does have the right to sue to collect damages. For this reason, drivers must also buy third party liability coverage.
At least $25,000 in bodily injury liability coverage must be bought to pay for the injuries sustained by one person and $50,000 in protection to pay for the damages of all victims of a single accident.
Along with bodily injury liability coverage, at least $25,000 in property damage liability must be put in place. This portion of the policy pays for repairs to the other driver’s vehicle, as well as guard rails, fences, sign posts, light stands, etc.
Uninsured/underinsured motorist coverage is also required in North Dakota. The minimum level of coverage is $25,000 for one person and $50,000 for all victims in an accident. Uninsured motorist coverage pays out when the at-fault driver doesn’t have coverage. Underinsured motorist insurance makes up the difference between the at-fault driver’s coverage and the damages caused.