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North Dakota Auto Insurance & Crash Law Library
A public legal education and research library for North Dakota mandatory auto insurance, basic no-fault/PIP, UM/UIM, comparative fault, damages and settlement.
North Dakota State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the North Dakota guide that answers the next no-fault, coverage, liability, damages or settlement question.
Getting Started in North Dakota
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative fault, crash investigation and evidence preservation.
Damages, No-Fault & Resolution
Damages, tort threshold, wrongful death, basic no-fault benefits and settlement.
Case Authority
North Dakota statutes and appellate authority organized by issue.
Guide 01 · North Dakota Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep basic no-fault benefits, liability claims, UM/UIM and property damage in separate parts of your records. Use the North Dakota guide titles to choose the next question.
List the vehicles, drivers, owners, injured people and possible employers. Begin with Guide 02 and Guide 21 to identify the insurance and basic no-fault questions.
Use Guide 03, Guide 05 and Guide 06. Collect declarations, endorsements and effective dates; do not assume every policy applies to every person or that all limits can be added.
Use Guide 18 for reports, photographs, video, witnesses, vehicle data and medical chronology. Keep a separate deadline calendar and consult Guide 16 promptly when a public entity may be involved.
Review Guide 19 for damages and tort-threshold questions, Guide 22 for settlement, and the case-authority library. Read the actual policy and official sources before deciding what a release will end.
North Dakota Current-Law Snapshot
Issues to identify early
25 / 50 / 25 minimum liability
North Dakota requires 25/50 bodily-injury liability and $25,000 property-damage coverage.
$30,000 basic no-fault
North Dakota requires $30,000 per person in basic no-fault/PIP economic-loss benefits.
Mandatory UM and UIM
Required auto insurance includes 25/50 UM and UIM equal to the UM coverage.
Modified comparative fault
A claimant cannot recover when claimant fault is as great as the combined fault of others who contributed to the injury.
No-fault tort threshold
North Dakota’s no-fault system limits certain tort recovery unless statutory thresholds are satisfied.
North Dakota Insurance Department
The Department regulates auto insurance and assists consumers with coverage and complaint issues.
Primary Research
Official North Dakota research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
North Dakota Century Code
Open NDCC →North Dakota Insurance Department
Open regulator →North Dakota DOT
Open DOT →North Dakota Courts
Open courts →North Dakota Highway Patrol
Open Highway Patrol →North Dakota Administrative Code
Open rules →The Insurance Department’s automobile-insurance guidance describes required liability, UM/UIM and basic no-fault coverage. Use the statutes, policy and authorities in the relevant child guide for claim-specific analysis.
How this library stays current
Build the complete North Dakota coverage and claim map
Identify mandatory liability, UM/UIM and $30,000 basic no-fault benefits, the tort threshold, every policy, comparative fault, evidence, damages, insurer conduct, reimbursement and release consequences before claim closure.
Start with basic no-fault benefits, then identify the remaining coverage and liability questions.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.