NORTH DAKOTA GUIDE 04
Who Is an Insured Under North Dakota Auto Insurance?
Insured status can differ by coverage. Liability, UM/UIM and basic no-fault coverage may define insured persons differently.
- Named insureds and resident relatives.
- Permissive users and occupants.
- Persons protected by first-party no-fault and UM/UIM coverages.
- Employer, commercial, rental and rideshare insured definitions.
Publication review note — September 17, 2026. Verify the actual policy and current North Dakota statutes and case law before publication.
VictimsGuide 