Under North Dakota
law, you must carry bodily injury liability,
property damage liability and
uninsured/underinsured motorist coverage to legally
drive a car.
Bodily injury
liability provides financial protection if you
injure other motorists in an accident. The minimum
amounts for bodily injury liability are $25,000 per
person and $50,000 per accident.
Property
damage liability provides financial protection if
you damage someone's car in an accident. The minimum
coverage amount for property damage liability is
$25,000.
Not surprisingly,
uninsured/underinsured motorist coverage
provides financial protection if you are hit by an
uninsured or underinsured motorist. It pays for damages
that would normally be covered by the other driver. The
minimum coverage amounts for uninsured/underinsured
motorist coverage are $25,000 per person and $50,000 per
accident-it does not cover damage to your car.
While you are
required to carry these minimum limits, it is important
to realize that they may not be enough to pay all the
damages after an accident. You may want to consider
purchasing higher limits of coverage.
Additionally,
there are other forms of coverage you may add to your
North Dakota car insurance to protect your car. Ask your
agent for details.
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