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North Dakota is a "no-fault" car insurance state, which means your own insurance will cover certain losses when you're injured in a car accident, (at least initially) regardless of who caused the crash.
PIP coverage protects you regardless of who's at fault. Personal injury protection insurance is mandatory in some states and optional or not offered at all in other states.
North Dakota state law requires that all motor vehicles registered and operated in the state carry certain minimum insurance coverages: Bodily injury liability - $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident).
Just as in any state, North Dakota has several requirements for vehicle operators if they are to be on the roads. All motor vehicles that are registered in the state must carry these minimum insurance coverages per person: Basic No-Fault, or Personal Injury Protection (PIP): $30,000 per person.
North Dakota also requires drivers to purchase Uninsured Motorist (UM), Underinsured Motorist (UIM), and Personal Injury Protection (PIP) coverage.
North Dakota requires that the owner of a motor vehicle carry liability, uninsured and underinsured motorist, and no-fault insurance coverages.
26.1-04-03. Unfair methods of competition and unfair or deceptive acts or practices defined.
North Dakota is one of the few states that have a no-fault auto insurance law , which limits the amount of damages you can recover. Under this system, you need to first turn to your insurance provider for medical expenses and reimbursement for lost wages.