April 16, 2018

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AUTO
home / auto
Auto Coverage Options
There are many choices to insure your auto, how do you know which is right for you? Let Nodak Insurance Company agents provide the answers you need to make educated insurance decisions.

Coverage and Options

Learn about what's available and what's required.
In North Dakota, this coverage is required by law and there are several levels to choose from. 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 include their medical expenses and lost wages as well as damages for pain and suffering.
This coverage is also required in North Dakota and there are several levels to choose from. It 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
  • Buildings and other structures
Also, required by North Dakota law, 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
This coverage has several levels of protection to choose from.
Auto liability insurance is required in North Dakota, yet the reality is, some drivers like to take chances and drive without insurance. This coverage pays for damages that result from the injury or death of you or someone in your car, caused by an uninsured driver. 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. Our agents can help you select the level of coverage you need.
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 coverage protects you from damages that result from the injury or death of you or someone in your car, caused by an underinsured driver. 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. Our agents can help you select the level of coverage you need.
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
This protects you from large repair bills and if your car is damaged beyond repair, you can recover the actual cash value, minus your deductible.
Helps pay for damage to your car not caused by a collision-things like:
  • Falling objects
  • Hail
  • Fire
  • Theft and vandalism
  • Explosion
  • Earthquake
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. Your agent offers many different deductible options.
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.

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Nodak Insurance Company

1101 1st Ave N
Fargo, ND 58102

877-814-5011