North Dakota Auto Insurance & Crash Law Case Authority Library

This issue-organized authority index collects primary North Dakota statutes and leading Supreme Court decisions for basic no-fault, UM/UIM, insurer-duty and crash-law research.

Core North Dakota Sources

N.D.C.C. Chapter 26.1-40 — automobile insurance, UM/UIM and priority rules.
N.D.C.C. Chapter 26.1-41 — Auto Accident Reparations/basic no-fault benefits.
N.D.C.C. Chapter 32-03.2 — modified comparative fault and damages.

Leading North Dakota Decisions

Hartman v. Estate of Miller (N.D. 2003) — UM bad faith and bodily injury under no-fault coverage.
Kambeitz v. Acuity Insurance Co., 2009 ND 166 — UIM coverage and mandatory protection of an innocent injured person.
Seifert v. Farmers Union Mutual Insurance Co. (N.D. 1993) — first-party insurer good-faith obligations.

North Dakota combines mandatory automobile coverages with a statutory basic no-fault system. Coverage analysis should address Chapter 26.1-40, Chapter 26.1-41, priority rules, settlement/subrogation and current policy language together.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.

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Public-interest education only. No legal services offered or accepted. No attorney-client relationship created. Verify current primary authority and the law applicable to the particular event before legal reliance.