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North Dakota is a "no-fault" car insurance state, which means your own insurance will cover certain losses when you're injured in a car accident, (at least initially) regardless of who caused the crash.
In North Carolina, liability insurance follows the car, not the driver. Essentially, this means that if someone borrows a car and causes an accident, the vehicle owner's policy would be the first coverage pursued for compensation.
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.
The driver of any vehicle involved in an accident resulting in injury to or death of any person shall immediately stop or return with the vehicle as close as possible to the scene of the accident and in every event shall remain at the scene of the accident until that driver has fulfilled the requirements of section 39- ...
North Dakota state law requires that all motor vehicles registered and operated in the state carry certain minimum insurance coverages: Bodily injury liability - $25,000 per person (the maximum amount payable to one person)/$50,000 per accident (the maximum amount payable to all people injured in one accident).
When a no-fault/PIP claim is filed by a covered individual after a car accident in North Dakota, that person is entitled to up to $30,000 to cover "economic losses" arising from the crash, including: medical bills to treat car accident injuries.
The state of South Dakota is considered an at-fault state, which means the insurance company of the driver responsible for the accident will absorb the financial losses related to injuries, lost income, property damage, and vehicle damage.