This is part 3, out of 7, of our blog series about frequently asked questions for car accidents in North Dakota.

I’ve heard North Dakota is a “no-fault” state.  Does that mean that it doesn’t matter who is at fault for a car accident?

No.  First, it is important to note that in North Dakota, no-fault insurance only comes into play when a car accident has resulted in injury.  When an accident involves property damage only, no-fault insurance does not apply.  No-fault insurance, also called “Personal Injury Protection” or “PIP,” requires every occupant to file a claim for their own bodily injury and medical expenses after an accident, regardless of who is at fault for the accident.

In North Dakota, the owner of a motor vehicle required to be registered or operated in this state is required to secure basic no-fault benefits of at least $30,000, although increased coverage (up to $80,000) can be purchased.  If you, a driver with permission to operate your motor vehicle, or a passenger of your motor vehicle is injured in a car accident, your no-fault insurance will pay up to $30,000 per person for accident-related economic loss, regardless of who caused the accident.