North Dakota High Risk Auto Insurance
In the state of North Dakota, 84 different insurance companies have obtained licenses to underwrite and sell automotive liability insurance policies. Some of the ones most likely to offer high risk car insurance include AIG, American Standard, Foremost, Geico, and Nationwide.
North Dakota uses a no fault system for dealing with auto accidents. This means that your insurance policy will pay your medical expenses and property damages up to certain limits regardless of who is at fault. With this in mind, the state has established the following minimum liability insurance coverage: Bodily Injury liability of $25,000 per person and $50,000 per accident, Property damage liability of $25,000, Uninsured/underinsured motorist bodily injury of $25,000/$50,000, and personal injury protection, which will pay your reasonable and necessary medical expenses, with a minimum of $30,000.
In order to avoid the need for hight risk auto insurance, drivers in North Dakota are required to carry a valid insurance id card issued by their insurance company at times while driving. Being caught without proof of insurance will be treated according to the number of offenses. A first offense carries a minimum fine of $150 and either 6 or 12 points will be assessed to one's driving record. A subsequent offense within any 18 month period will result in a $300 fine, another 6 or 12 points assessed to the driving record, and the person will be required to surrender his or her original driver's license and purchase a duplicate license at a cost of $50 that states on the license that this person is required to provide proof of insurance to the state for a period of not less than three years.