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North Dakota Insurance Laws and Regulations

The North Dakota Insurance Department develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about your auto or home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. North Dakota does not make consumer complaint information available to consumers for use when shopping for insurance.

The insurance commissioner in the state of North Dakota is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

A summary of the driving safety laws for the state of North Dakota can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of North Dakota.

The North Dakota Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

North Dakota has minimum auto insurance amounts that are required by law. The table below shows the ND minimum car insurance limits.

Resources Available to Consumers

The North Dakota Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, do not have enough insurance coverage or are the victim of a flood.