North Dakota has been a no fault state since 1976. No fault insurance places limitations on the injured parties ability to sue other drivers for damages. In no fault insurance, your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault in the accident. Other drivers involved will be covered by their auto insurance companies.
North Dakota minimum liability limits; $30,000 per person for injuries you cause to the other parties, $60,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $40,000 in medical payments (PIP) coverage and $30,000 (per person) and $60,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage.
Optional plans include blanket umbrella, collision, and comprehensive coverage.
If you are convicted of DUI in North Dakota (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to use the North Dakota Automobile Insurance Plan (NDAIP). The North Dakota Automobile Insurance Plan was created in 1945 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible North Dakota Automobile Insurance Plan drivers are shared among companies writing automobile insurance in the state of North Dakota.
Below (again) are the minimal limits.
Proof of insurance is required after the accident to be sent to the Department of Insurance, other state agency, or law enforcement officer. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in North Dakota include a $150 fine, registration revocation, and license suspension.
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