In North Dakota, drivers must have uninsured motorist coverage. This type of insurance helps pay for injuries if the other driver does not have insurance. The law says you must have at least $25,000 per person and $50,000 per accident. You can choose to buy more coverage if you want extra protection.
How to file a claim after an accident
If you are in an accident with an uninsured driver, contact your insurance company. They will guide you on how to file a claim using your uninsured motorist coverage. Make sure to provide all necessary documents, like the police report and any witness statements, to help with the process.
North Dakota has a no-fault insurance system. This means your insurance will pay for your medical bills, no matter who caused the accident. This is called Personal Injury Protection (PIP) coverage, which is required by law. PIP helps cover medical costs and some other expenses, like lost wages.
What happens if the coverage is not enough?
If your insurance coverage does not cover all your expenses, consider suing the driver who caused the accident. Still, this option can be challenging if the driver lacks the financial resources to pay damages. It is wise to talk to a car accident lawyer to see if this is the right choice for you.
Remember that North Dakota follows a modified comparative negligence rule. If you are less than 50% responsible for the accident, you can still get compensation, but the amount will be reduced by the percentage you are at fault. For example, if you are awarded $10,000 but are 10% at fault, you will receive $9,000.
Dealing with an accident involving an uninsured driver can be overwhelming, but knowing your insurance coverage and legal options can help. If you are in this situation, consider talking to a lawyer to explore your options and ensure you get the compensation you deserve. Remember, you have resources and people who can help you through this.