What is the Difference Between No-Fault and Traditional Insurance in North Dakota?

Answered by

Timothy Clifton
Timothy CliftonInsurance and Finance Writer

Posted on Jan 20, 2023

No-fault insurance is a type of insurance that provides coverage to the policyholder in the event of an accident, regardless of who is at fault. Traditional insurance, on the other hand, is a type of insurance that requires the policyholder to prove that the other driver was at fault in order to receive coverage.

In North Dakota, no-fault insurance is mandatory, while traditional insurance is not. This means that all drivers in North Dakota are required to have no-fault insurance, while traditional insurance is optional.

No-fault insurance typically offers more comprehensive coverage than traditional insurance. This is because no-fault insurance covers the policyholder's own injuries, regardless of who is at fault, while traditional insurance only covers the policyholder's injuries if the other driver is found to be at fault.

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