STATE LAW – NORTH DAKOTA LIBRARY – 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.
Current-law review: September 25, 2026.
- 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.
Insured status is coverage-specific
The North Dakota Insurance Department explains that a personal auto policy generally covers the named insured, spouse, resident relatives, and permissive users. But liability, UM/UIM, medical-payments, no-fault, and physical-damage coverages can apply different insured definitions and conditions.
Household limitations have statutory constraints
North Dakota law restricts certain family-member benefit limitations and separately permits specifically excluded drivers in defined circumstances. The policy and applicable statute must therefore be read together.
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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