STATE LAW – NORTH DAKOTA LIBRARY – GUIDE 06
North Dakota Stacking & Multiple Insurance Policies
Stacking analysis asks whether more than one independently applicable coverage may respond to the same loss. The answer depends on insured status, policy wording, statutory restrictions and current North Dakota law.
Current-law review: September 25, 2026.
- Identify every potentially applicable policy and limit.
- Determine whether each policy independently covers the claimant and occurrence.
- Review anti-stacking, other-insurance and anti-duplication provisions.
- Apply current North Dakota UM/UIM and no-fault authority.
North Dakota expressly prohibits UM/UIM stacking
North Dakota Century Code § 26.1-40-15.4 provides that UM or UIM limits may not be added or stacked across vehicles or policies for a single accident.
Multiple policies follow a statutory priority order
When more than one policy applies, recovery may not exceed the highest single applicable UM/UIM limit. The statute gives priority first to coverage on the occupied vehicle, then to a policy under which the injured person is a named insured, and then to other insured-status coverage.
Basic no-fault stacking is also prohibited
North Dakota Century Code § 26.1-41-14 separately prohibits stacking basic no-fault benefits from multiple sources.
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 guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.
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