COMMONWEALTH OF THE NORTHERN MARIANA ISLANDS AUTO INSURANCE & CRASH LAW
Commonwealth of the Northern Mariana Islands Auto Insurance & Crash Law
A practical public-interest guide to local automobile insurance, crash claims, coverage, fault, damages, deadlines and settlement.
COMMONWEALTH OF THE NORTHERN MARIANA ISLANDS RESEARCH LIBRARY
Current 23-Topic Library
Use these issue pages as the current VictimsGuide navigation for Commonwealth of the Northern Mariana Islands.
03
Who Is an Insured? Named Insureds, Permissive Drivers & Statutory Omnibus Coverage in the CNMI
16
CNMI Government Vehicle Crashes, Attorney General Claim Notice & 90-Day Pre-Suit Investigation
17
CNMI Government Liability After Maratita v. CHCC & Invalidated Government Damages Caps
21
CNMI Wrongful Death, Survival, Two-Year Limitation & $300,000 Collective Noneconomic Cap
22
CNMI Settlement, Releases, Health Benefits, Workers’ Compensation, Liens & Subrogation
Commonwealth of the Northern Mariana Islands Auto Insurance & Crash Law
VictimsGuide’s CNMI library organizes the rules that matter after a motor-vehicle crash: mandatory liability insurance, the Assigned Risk Plan, permissive-driver coverage, UM/UIM, claims handling, government claims, comparative fault, damages, settlement, liens, subrogation and controlling legal authority.
CNMI rules to identify early
- Mandatory insurance: vehicles operated on Commonwealth public roads generally must carry at least $15,000 per person and $30,000 per accident for bodily injury or death, plus $15,000 for property damage.
- Assigned Risk Plan: CNMI law maintains an assigned-risk mechanism for applicants unable to obtain mandatory coverage in the voluntary market.
- Comparative fault: CNMI applies comparative-fault principles that reduce damages according to assigned responsibility rather than using a contributory-negligence bar.
- Government claims: claims against Commonwealth entities require separate notice, administrative-review and immunity analysis.
Preserve the complete policy, insurance card, crash report, photographs, video and electronic evidence, and investigate employer, commercial, rental, umbrella and excess coverage before executing a release.
Current-law review: September 17, 2026. Verify current Commonwealth Code provisions, Department of Commerce insurance guidance, court decisions and the policy actually issued before relying on this educational guide.
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