North Dakota Insurance Forms - Dacotah Insurance

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Insurance Forms FAQ

What is insurance?

Insurance is a contract, called an insurance policy, in which the insurer, agrees to pay the insured party all or a portion of any loss suffered by accident or death for a fee called an insurance premium. The losses covered by the policy may include property damage or loss from accident, fire, theft or intentional harm; medical costs and/or lost earnings due to physical injury; long-term or permanent loss of physical capacity; claims by others due to the insured's alleged negligence, or the loss of someone's life.

What laws govern insurers?

In 1944, Congress enacted the McCarran-Ferguson Act, which provided that the laws of the several states should control the insurance business, but that the Sherman Act, the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always controlling. To determine whether a particular law governs, the determining factor is whether the issue is related to the "business of insurance", where state law governs, or whether it is related to peripherals of the industry, such as labor, tax, and securities, where federal law governs.

What can be done is an insurer wrongfully denies a claim?

Insurers may be guilty of bad faith for failing to promptly and thoroughly investigate a claim, unreasonably delaying payment, unreasonably denying benefits to a claim, using unreasonable interpretations in translating policy language, or refusing to settle the case or reimburse you for the entirety of your loss, etc. Unless a time period for settling a claim is defined in the policy, a "reasonable time" generally applies, which is a subjective term, depending on the facts and circumstances in each case.


Bill of Sale – By Type (5)

A Bill of Sale is a legal document used to transfer ownership of goods or property from one person or entity to another. In North Dakota, there are different types of Bills of Sale depending on the nature of the transaction. A general Bill of Sale can be used for various items, such as furniture or electronics. A vehicle Bill of Sale is specifically for selling or buying cars, motorcycles, or boats. For livestock, like horses or cattle, a Livestock Bill of Sale is recommended. When selling or buying a firearm, a Firearm Bill of Sale is required. And finally, if you are selling or buying a mobile home, you will need a Mobile Home Bill of Sale. It's important to use the correct type of Bill of Sale to ensure the transaction is legally binding and protects the rights of both parties involved.


Vehicle Registration Forms

In North Dakota, vehicle registration forms are important documents that allow you to legally operate your vehicle on the roads. These forms contain information about your vehicle, such as its make, model, and year. It is necessary to fill out these forms accurately and completely, as they help the state keep track of registered vehicles and ensure that they meet necessary safety and emissions standards. When you get a new vehicle, you must submit a registration form to the North Dakota Department of Transportation. Additionally, you may need to renew your vehicle registration annually by completing another form and paying the required fees. Remember to always carry your registration form in your vehicle as proof that it is properly registered.


Boat Registration Forms

Boat registration forms in North Dakota are simple and straightforward paperwork that you need to complete in order to legally operate your boat. These forms are official documents issued by the state's Game and Fish Department, and they serve as proof of ownership and registration for your watercraft. To fill out the forms, you'll need basic information about your boat, such as the make, model, and hull identification number. You'll also need to provide your personal details, like your name, address, and contact information. Once you've completed the forms, you can submit them along with the required fees to the Game and Fish Department, either online or by mail. It's important to make sure your boat is properly registered to comply with the state's regulations and ensure a safe boating experience.