What PIP coverage are you required to carry in North Dakota?
What is the minimum amount of coverage I can carry? I have health insurance, but I know we're required to carry PIP.
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Answered on Jul 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The state minimum car insurance required in North Dakota includes $30,000 in personal injury protection per person. North Dakota often refers to this as basic no-fault coverage.
Basic no-fault coverage provides you with the same coverage as personal injury protection. This includes:
- medical expenses
- wages due to work loss
While most insurance carriers offer higher PIP limits, you may not need them as you have health insurance. You should review your plan’s coverages and compare them with your PIP benefits.
If you have high deductible health insurance or coverage gaps, you may benefit from additional PIP coverage. If you feel your health insurance plan is sufficient if you’re injured, you can stick with the state minimum for PIP.”
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