In North Dakota, drivers must have four different types of liability insurance coverage: these include bodily injury insurance, property damage insurance, uninsured and underinsured insurance, and personal injury protection. With these different types of insurance, drivers do not have to worry about paying for property damage or bodily injuries that occur from an accident that is the insured driver’s fault. This insurance also protects the driver in the event that he or she is injured or is in an accident with someone that has no insurance or has an inadequate amount of insurance coverage.
The liability limits in North Dakota are 25/50/25. As a result, North Dakota drivers must have $25,000 worth of insurance coverage per person injured in an accident. In addition, North Dakota drivers must carry $50,000 in coverage for injuries per accident. North Dakota drivers are also required to carry $25,000 in property damage coverage as the result of an accident. Drivers in North Dakota are also required to have uninsured and underinsured insurance coverage as well as personal injury protection.
Bodily Injury Liability, which is known as BI for short, is a requirement for North Dakota drivers. Bodily Injury Liability coverage protects the insured driver when he or she is responsible for an accident and another person injured or killed. This liability insurance protects the insured driver and any of the passengers that were involved in the accident. The coverage must be provide $25,000 of coverage per person that is involved in an accident and $50,000 per accident.
Property Damage, or PD for short, must be provide at least $25,000 of coverage per accident. This PD insurance is in place to cover the insured driver’s expenses when he or she is responsible for an accident that damages property. The Property Damage insurance is then used to cover the expense of repairs to property or to replace damaged property.
North Dakota Drivers are also required to carry underinsured and uninsured coverage in the amount of $25,000 per person and $50,000 per accident. This insurance covers the North Dakota driver if he or she is involved in an accident with someone that has an inadequate amount of coverage or that does not have any insurance. It also covers the driver if he or she is the victim of a hit and run accident.
North Dakota drivers also must have $30,000 worth of Personal Injury Protection insurance in place. This insurance covers the driver if he or she experiences any losses, including medical expenses and loss of wages from work loss, because of an accident. This insurance is paid regardless of who is at fault.
All drivers in North Dakota are required to prove that they have insurance coverage before they are able to get their vehicles registered in the state. Drivers can prove that they have coverage in a number of different ways. For example, North Dakota drivers can use a temporary insurance card that is issued by the insurer. Or, a driver in North Dakota driver can use a premium receipt or show an insurance binder that has been issued by an insurance agent.