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Is North Dakota a no-fault state?
I live in Montana and my kid is leaving for school in North Dakota. I’m trying to research the best car insurance policies for him but I’m not sure I understand this no-fault / at-fault thing. Is North Dakota a no-fault state?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes,
North Dakota
is a no-fault state. In a no-fault state, your insurance policy will cover certain damages regardless of who caused the car accident. You will also have to carry PIP or Personal Injury Protection
.In a state like North Dakota, you can only file a claim or lawsuit against the other party if the threshold for your injuries exceeds a certain amount and you’ll be financially responsible for your portion of the other driver’s damages if you are
deemed 50% negligent for the accident
. If you don’t have insurance, the not at fault driver can file a lawsuit against you to recover these damages. So make sure you have the right policy for your kid before they leave! It’s smart to get them a
car insurance
policy that fits their needs. The Jerry
app is the fastest way to compare rates from top providers. Jerry also helps unlock special student discounts.Jerry also will keep a digital copy of their proof of insurance in the app. This is super handy, especially in North Dakota, because having it while you drive is required, and the police and DMV accept the digital version.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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