Uninsured Motorist Coverage: North Dakota

In North Dakota, uninsured motorist insurance is required. Good thing too, because a survey by the Insurance Research Council (IRC) found that 9% of drivers in North Dakota have not obtained sufficient auto insurance coverage. That’s 60,533 motorists!

In general, uninsured motorist insurance coverage is a protection under which the policyholder’s insurance carrier will cover damages caused by a driver that doesn’t have any automobile liability coverage or that has below the minimum insurance mandated by law, or is underinsured. UM/UIM coverage is commonly referred to as North Dakota hit and run insurance coverage.

You bet, it certainly seems unjust that you might be expected to cover health costs sustained in a collision with a driver that is without insurance, which explains why North Dakota uninsured motorist coverage can be so essential. Don’t have uninsured motorist coverage? If not, then we urge you to find out how much it would cost to add it to your insurance policy.

Fortunately, we have partnered with an extensive array of North Dakota auto insurance providers that can offer you uninsured motorist coverage. Enter you zip code to compare rates!

North Dakota Uninsured Motorist Law

Yes, North Dakota uninsured motorist insurance is mandatory. In order to be fully insured in the state of North Dakota, a person will need to have these coverage amounts:

  1. For one individual injured in an accident: $25,000
  2. For all of the individuals injured in an accident: $50,000
  3. For damage to property in an accident: $25,000

If they doesn’t maintain this amount of coverage, at least, a driver will be underinsured. In this instance, UM/UIM insurance should cover the difference between the amount the driver responsible can pay up, and the amount that is supposed to be paid.

Hit By an Uninsured Driver in North Dakota?

If you were injured by an uninsured vehicle in North Dakota, you may have the right to legal action. It certainly seems unfair to be refused reparations just because the other car owner didn’t obtain coverage, and the judge may agree. Obviously, it’s important to have an attorney review your uninsured driver case.