STATE LAW – NORTH DAKOTA LIBRARY – GUIDE 23
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.
Current-law review: September 25, 2026.
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.
Core North Dakota insurance and crash authorities
- NDCC §§ 26.1-40-15.2 through 15.5: UM/UIM limits, priority, anti-stacking, reimbursement, and subrogation.
- NDCC chapter 26.1-41: basic no-fault/PIP, serious-injury threshold, priority, anti-stacking, and subrogation.
- Smith, Seifert, Fetch, and Hartman: North Dakota insurer bad-faith principles.
- Nodak Mutual v. Heim: potential coverage and the duty to defend.
- Rawlings and APM: insurance-producer duties and limits on unrequested-coverage claims.
- Continental Casualty v. Kinsey: liability-insurer settlement duties and excess exposure.
This authority library is curated rather than exhaustive. Current statutes, policy language, and the latest controlling North Dakota appellate authority remain necessary for issue-specific reliance.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Sources
Verify current North Dakota law at the source
The reviewed North Dakota authority library above is preserved. Confirm amendments, later treatment, subsequent history and current appellate authority before legal reliance.
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