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Auto Insurance - Coverage Options

We have a wide variety of coverage options to insure all of your modes of transportation.

Bodily Injury Liability

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Bodily Injury Liability

What it is:

This protects you from the injury or death of another driver or passenger from an auto accident if you are determined to be at fault. Some of the things you may be liable for include:

  • Their medical expenses
  • Their lost wages
  • Damages for their pain and suffering

Why you need it:

In North Dakota, this coverage is required by law. Damages in an accident could be hundreds of thousands of dollars. If damages exceed the amount for which you're insured, you could be left with a personal exposure where the victim can legally pursue your or your assets for reimbursement.

What are your choices?

The first dollar amount is the maximum amount paid to each injured person.

The second dollar amount indicates the maximum amount paid to all injured persons for each accident.

The third dollar amount is the property damage limit. This is the most the policy pays for all incurred property damages for each loss.

  • $25,000/$50,000/$25,000
  • $50,000/$100,000/$50,000
  • $100,000/$300,000/$100,000
  • $250,000/$500,000/$100,000
  • $500,000 CSL (Combined Single Limit)
  • $1,000,000 CSL (Combined Single Limit)

Property Damage Liability

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Property Damage Liability

What it is:

This insurance protects you from the damage to another person's property when you cause an accident. This might include:

  • Vehicles
  • Bicycles or personal property
  • Homes or fences
  • Storefronts and other structures

Why you need it:

In North Dakota, this coverage is required by law. You could be obligated to pay the costs to repair damaged property. If the car you hit happens to be a nice sports car, for example your liability could be pretty high.

What are your choices?

You can select from the following property damage limits

  • $25,000
  • $50,000
  • $100,000

Personal Injury Protection (PIP)

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Personal Injury Protection (PIP)

What it is:

PIP is part of your auto policy and provides the following protection for you and/or the passengers in your vehicle:

  • Medical expenses
  • Rehabilitation
  • Lost work wages
  • Cost of services such as housekeeping and yard work
  • Survivor's income loss
  • Funeral expenses

Why you need it:

In North Dakota, this insurance is required by law.

What are your choices?

Basic PIP coverage is 30,000 per person. However, you can choose to purchase higher limits of this coverage.

  • $30,000
  • $40,000
  • $60,000
  • $80,000
  • $110,000

Uninsured Motorist

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Uninsured Motorist

What it is:

Auto liability insurance is required in North Dakota, yet the reality is, some driver's like to take chances and drive without insurance. This type of insurance pays for damages that result from the injury or death of you or someone in your car, caused by an uninsured driver.

Why you need it:

In North Dakota, this coverage is required by law. If you're involved in an accident that's not your fault, and that driver is uninsured, you may be stuck with all your own medical bills and resulting expenses.

What are your choices?

The first dollar amount is the maximum amount of coverage for each injured person up to the maximum amount of the second number for all injured persons per accident

The second dollar amount indicates the maximum amount of coverage per accident.

  • $25,000/$50,000
  • $50,000/$100,000
  • $100,000/$300,000
  • $250,000/$500,000
  • $500,000 CSL (Combined Single Limit)
  • $1,000,000 CSL (Combined Single Limit)

Underinsured Motorist

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Underinsured Motorist

Similar to uninsured drivers, many people drive around with minimum insurance available and aren't able to take responsibility for the damages they cause in an accident. This insurance protects you from damages that result from the injury or death of you or someone in your car, caused by an underinsured driver

Why you need it:

In North Dakota, this coverage is required by law. If you're involved in an accident that's not your fault, and that driver is underinsured, you may be stuck with most of your own medical bills and resulting expenses.

What are your choices?

The first dollar amount is the maximum amount of coverage for each injured person up to the maximum amount of the second dollar amount for all injured persons per accident

The second dollar amount indicates the maximum amount of coverage per accident.

  • $25,000/$50,000
  • $50,000/$100,000
  • $100,000/$300,000
  • $250,000/$500,000
  • $500,000 CSL (Combined Single Limit)
  • $1,000,000 CSL (Combined Single Limit)

Collision

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Collision

What it is:

Covers damages to your insured auto that results from a collision with another object which could include things like:

  • Another car
  • A tree
  • A building

Why you might want it:

It helps protect you from large repair bills and if your car is damaged beyond repair, you can recover the actual cash value, minus your deductible.

What are your options?

A deductible is the amount of loss for which you are responsible before the insurance company makes any payments. So, which deductible is right for you? Choose from one of the following collision deductible options (these can vary by type of vehicle)

  • $50
  • $100
  • $250
  • $300
  • $500
  • $600 (Disappearing deductible option only)
  • $1,000
  • $2,500
  • $5,000

Other Than Collision

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Other Than Collision

What it is:

Helps pay for damage to your car not caused by a collision—things like:

  • Falling objects
  • Hail
  • Fire
  • Theft and vandalism
  • Explosion
  • Earthquake

Why you might want it:

It helps protect you from large repair bills and if your car is damaged beyond repair, you can recover the actual cash value, minus your deductible.

What are your deductible options?

A deductible is the amount of loss that you're responsible for before the insurance company makes any payments. Choose from:

  • $50
  • $100
  • $250
  • $300
  • $500
  • $600 (Disappearing deductible option only)
  • $1,000
  • $2,500
  • $5,000

New Car Replacement

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New Car Replacement

Replacement cost coverage is available on most private passenger vehicles that are two years old or less with under 24,001 miles at the time of loss. For eligibility, terms and conditions contact your local Nodak Insurance Company agent.

This website contains only a general description of coverage, and is not a policy contract. Coverage under a Nodak Insurance Company product is subject to terms, conditions and exclusions in the actual policy.