North Dakota Auto Insurance
All states mandate that motorists carry insurance and decide which coverages are necessary. Bodily injury and property damage liability, personal injury protection, and uninsured/underinsured motorist coverages are requirements for all North Dakota auto insurance policies.
The liability coverages protect you when you cause a wreck that injures another person or damages their car or other property. Bodily injury liability pays for medical, rehabilitation, or funeral costs that result and property damage liability covers repairs or replacements of damaged possessions. Both coverages only cover expenses up to your policy's maximum limits. The minimum amounts of liability coverage required by the Peace Garden State are:
- $25,000 bodily injury protection per person
- $50,000 total injury protection per incident
- $25,000 coverage for property damage
North Dakotans must also possess personal injury protection, which is often referred to as 'no fault' coverage. This means that no matter who caused a wreck, if you're injured, your medical bills will be covered up to your policy's cap.
The final coverage is uninsured/underinsured motorist protection. This will cover damage to your property in the event that you're struck by a driver that doesn't have insurance or doesn't have enough coverage to correct said damage.
Though you may feel tempted to stick to the minimum coverage set by the state, keep in mind that doing so could be dangerous. Any costs that exceed your policy's coverage will have to be paid out of pocket if you're liable for causing a collision. Consult a licensed agent for advice about the amount of coverage that best fits your needs.
Car insurance discounts in North Dakota
Motorists living in the Peace Garden State can qualify for the following discounts:
- Good student discount.
- Good driving discount.
- Safety features discount.
- Multi-policy discount.
- Multi-car discount.
- Homeowner discount. ]
One thing to remember: Discounts can vary by provider. Call a licensed agent to see which discounts you could qualify for. He or she will help you determine which policy fits your needs and budget.