What is an at-fault accident in North Dakota? This question is about At-Fault Accident Basics

What is an at-fault accident in North Dakota?

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This question is about At-Fault Accident Basics

Leif Olson, Car Insurance Writer

@leif_olson_1 • 02/08/22 This answer was first published on 02/08/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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An at-fault accident in North Dakota is a car accident caused by a negligent or careless driver. Even though North Dakota is a no-fault state, fault is still determined for property damage (while personal injury claims are filed with each driver’s own insurance company, regardless of who is responsible).

Every no-fault state has different minimum coverage requirements. In North Dakota, you are legally required to have at least $25,000 of personal injury protection for your own injuries, as well as $25,000 in property damage insurance.

How North Dakota Determines Negligence

States assign fault based on slightly different definitions of negligence. North Dakota uses modified comparative negligence, meaning that drivers do not recoup accident-related costs if they are more than 50% at fault for an accident.

For example, if you are 52% responsible for an accident, you would not receive any payment because you would be over the 50% threshold.

To learn more, check out WalletHub’s guide to at-fault accidents.

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How long do points stay on your license in North Dakota?

Points stay on your license for at least 3 months in North Dakota. The North Dakota DMV will remove one point for every 3 months without another moving violation, and then the points will no longer count toward your point total or toward a license suspension.

Key Things to Know About Driver’s License Points in North Dakota

Accumulating 12 points will result in a license suspension in North Dakota. Drivers might also...

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Is North Dakota a no-fault state?

Yes, North Dakota is a no-fault state. North Dakota being a no-fault state for car insurance means all North Dakota drivers are required to purchase personal injury protection (PIP) insurance to cover their own medical bills after an accident regardless of who was at fault. Additionally, no-fault laws in North Dakota place limitations on a driver’s right to sue after an accident. Drivers in North Dakota can only sue for their injuries if the injuries are permanent,...

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What are the minimum liability car insurance requirements do I need in North Dakota?

The minimum liability car insurance requirements in North Dakota are $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $25,000 in property damage liability insurance. These requirements can also be written as 25/50/25. In addition, drivers in North Dakota will need to purchase $30,000 per person in personal injury protection coverage, plus $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage to satisfy the state's minimum car insurance requirements.

Liability insurance pays for others' medical expenses and...

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