North Dakota Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident]

Required Minimum Property Damage Coverage

• $25,000 for injury to or destruction of property of others in any one accident

Basic No-Fault/Excess No-Fault Coverage.

• This coverage pays economic loss in the maximum amount of $30,000 per person injured in any one accident, regardless of fault. Economic loss includes medical, rehabilitation, work loss, replacement services loss, survivor’s income, survivor’s replacement loss, funeral, cremation, and burial expenses. Under this No-Fault statute, an insured claimant can recover non-economic, or pain and suffering, damages in a tort action, only if the claimant has suffered a “serious injury.” A “serious injury” is an accidental bodily injury which results in death, dismemberment, serious and permanent disfigurement or disability beyond 60 days, or medical expenses in excess of $2,500.

Optional Insurance Coverage

• Uninsured (UM) and Underinsured Motorist (UIM) Coverage. If purchased, UM coverage must be at least that required for bodily injury policies. In North Dakota, an insurance company has no obligation to provide more UM coverage than the bodily injury liability coverage purchased. If a person purchases UIM, it must be equal to the UM purchased.

• Excess No-Fault Coverage. Excess No-Fault coverage can be purchased up to a maximum of $80,000 for any one person injured in any one accident.

Special Rules for Motorcycle Owners

• Basic No-Fault/Excess No-Fault Coverages do not apply to motorcycle owners.