North Dakota car insurance customers should have uninsured and underinsured motorist coverage in place. This is valuable protection for you, your family and the occupants of your vehicle in case of injury or physical damage to your vehicle. Uninsured motorist coverage pays damages (medical expenses and lost wages) if the at-fault driver in the accident does not have insurance coverage. It also kicks in when the accident is a hit and run, and you are not able to determine the driver’s identity. (Accidents involving stolen vehicles may also fit into this category.)
Underinsured motorist coverage works a little differently. When the amount of your damages is higher than the level of coverage available from the at-fault driver’s insurance policy, your underinsured motorist coverage will be used to make up the difference. The other driver’s policy would be used first, and then your policy would be used.
After the accident, you would make a claim to your North Dakota car insurance company under your policy. The insurance company would pay for your damages, up to the policy limit you choose. It may be tempting to buy a policy with a low limit, but you should consider buying one with at least the same level of protection as the bodily injury and property damage coverage you have in place. Get quotes from several companies so that you can compare rates and get the best level of coverage you can afford.