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In North Dakota, the law is clear: Driving without the minimum required amount of liability insurance is a class B misdemeanor.
?No pay, no play? laws are one example. No pay, no play laws prevent an uninsured motorist from collecting. compensation for noneconomic damages arising from a traffic accident with. an insured, at-fault driver.
32-03-01. Damages for any injury. Every person who suffers detriment from the unlawful act or omission of another may recover from the person in fault a compensation therefor in money, which is called damages.
The State Tort Claims Act, NDCC 32-12.2, governs the administration of the Risk Management Fund and claims against the state and state employees for personal injury, death, or property damage caused by the state or a state employee acting within the scope of the employee's employment.
Basic no-fault - $30,000 per person. Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury without regard to fault. No-fault is also known as Personal Injury Protection (PIP).
North Dakota is one of the few states that have a no-fault auto insurance law , which limits the amount of damages you can recover. Under this system, you need to first turn to your insurance provider for medical expenses and reimbursement for lost wages.
Under North Dakota law, your auto's no-fault coverage is primary, regardless of fault. To make a claim against another party, contact the agent or company for that party to put them on notice. They will take your claim information and file it with their company to start the claim process.
North Dakota's "no pay, no play" law says that if you're injured in an accident while you're driving without insurance, you're barred from recovering "non-economic" damages from the at-fault driver if you have at least one past conviction for uninsured driving. (North Dakota Century Code section 26.1-41-20.)