Understand North Dakota’s liability, UM/UIM and basic no-fault protections, plus questions for rideshare drivers.
Key takeaways
- Read every required line
- Keep UM and car damage separate
- An original loss-sorting exercise
On this page
Coverage requirements at a glance
| Coverage | Amount or rule | Scope and exceptions |
|---|---|---|
| State-specific coverage rule: Read every required line | The department lists liability 25/50/25, UM bodily injury 25/50, UIM equal to UM and basic no-fault $30,000 per person. Basic no-fault concerns eligible economic injury losses regardless of fault; it is not the property-damage liability line. | Registered/operated scope; no assumed platform protection; current statutory benefit conditions pending. Existing official material inspected 2026-10-12. Original commencement date is not established by this metadata; the source’s scope and exceptions remain applicable. Official source 1 for State-specific coverage rule: Read every required line |
Understand North Dakota’s liability, UM/UIM and basic no-fault protections, plus questions for rideshare drivers.
Read every required line
The department lists liability 25/50/25, UM bodily injury 25/50, UIM equal to UM and basic no-fault $30,000 per person. Basic no-fault concerns eligible economic injury losses regardless of fault; it is not the property-damage liability line.
Keep UM and car damage separate
The regulator says UM does not pay physical damage to your vehicle. Ask which selected vehicle protection addresses a damaged car and what conditions apply, even when another driver lacks insurance.
Ridesharing needs a phase check
The department warns that personal auto exclusions can leave ride-hailing incidents uncovered without an applicable endorsement. Describe whether the app is waiting or carrying a passenger, and obtain personal/platform wording. No phase-specific payment is promised here.
Sort a North Dakota accident into three files
Required no-fault, UM/UIM and liability protect against different losses. Start with an injury-benefit file, a responsibility file and a car-damage file. This prevents the $30,000 basic no-fault amount from being mistaken for a repair allowance.
| File | Useful records |
|---|---|
| Injury benefits | Bills, work-loss evidence, eligible person and policy instructions |
| Responsibility and uninsured driver | Accident facts, identities, insurance information and UM/UIM endorsement |
| Car damage | Estimate, selected vehicle protection and deductible |
Hypothetical: Assume an eligible occupant has $8,000 of qualifying expenses under an applicable $30,000 no-fault limit, with no other restrictions or adjustments in the illustration. The amount fits the limit, but that fact alone does not establish benefit eligibility. Separately, an eligible $5,200 collision repair with a $1,000 deductible gives a simple $4,200 payment. Unused no-fault capacity does not increase the collision payment.
Ridesharing needs the trip stage and actual contracts
Record whether the app was off, waiting for a request, traveling to collect a passenger or carrying one. Keep timestamps and both personal and platform documents. The regulator’s warning about personal-policy exclusions is a reason to establish applicable coverage, not to assume a platform always fills the gap.
For two proposals, disclose the same activity and compare the accepted endorsement. A personal-use price cannot fairly be compared with an offer that actually accepts ride-hailing. No platform-specific limits or deductibles are invented here; current TNC scope remains in the private review questions.
Check the required injury lines at renewal
Copy liability, UM, UIM and basic no-fault into separate rows. Check UIM’s relationship to UM and obtain an explanation of changes. Then compare collision/comprehensive, rental benefits and payment arrangements.
For a benefit dispute, identify the specific expense category and missing documentation. For a vehicle dispute, identify repair items or valuation. Providing a single total for medical expenses, lost wages and car repairs makes it harder to see which provision is being applied. Use the department’s consumer resources with the actual policy and written response rather than treating this educational worksheet as a compliance certificate.
Sources and review scope
North Dakota Insurance Department: Auto. Source access/inspection: October 12, 2026. The coverage needs checklist can organize the policy discussion; it does not establish legal compliance.
Sources & references
Use these references to verify the information in this guide.
Policy terms and state requirements can change. Verify details with official sources and a licensed professional. Read our editorial standards.