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Motorcycle Insurance Minimum Requirements in North Dakota

Even though safety may be a great concern for motorcyclists, accidents do happen. Because of this, North Dakota requires all resident riders to obey the state's financial responsibility laws by having motorcycle insurance.

Read below to learn more about North Dakota's motorcycle insurance requirements.

Two-Wheeled Vehicles Defined

For information on whether your two-wheeled bike requires registration, which would necessitate insurance coverage, call the Department of Transportation at (701) 328-2725.

North Dakota Motorcycle Insurance Requirements

To be compliant with North Dakota's motorcycle insurance laws, you are required to have liability insurance on your bike, which helps pay for bodily injuries of property damage to others in an accident that you cause.

Your motorcycle insurance policy must include the following minimum coverage limits per accident.:

    • $25,000― For bodily injury per person.
    • $50,000―For total bodily injury if multiple people are hurt in the crash.
    • $25,000― for property damage

Be sure to compare motorcycle insurance quotes from different carriers before deciding on an insurance plan. This will increase your chances of uncovering an affordable motorcycle insurance rate.

Also keep in mind that the above limits are only the required minimums. You may find value in purchasing higher limits, especially if you own assets that can be vulnerable in a lawsuit after a crash.

Optional Coverages

As you shop for motorcycle insurance, you may come to the conclusion that liability insurance does not provide enough insurance coverage for you. This ring especially true when you consider that liability insurance only covers others' property damage and injuries.

To broaden the scope of your policy, you may want to consider purchasing optional coverage types. Some common optional motorcycle insurance coverages include:

  • Collision - This will help pay for damages to your motorcycle that result from traffic accidents.
  • Comprehensive - If your motorcycle sustains non-accident related damages from certain types of incidents (ex. severe weather, theft, fire, vandalism) this coverage can help with repairs.
  • Medical payments - This will help with medical costs if you are hurt in an accident.
  • Towing and labor - As good as you are with the maintanance of your bike, things can go wrong and you could find yourself on the side of the road with a brokendown bike. This coverage can help provide and pay for emergency roadside assistance and towing.

How Coverage Affects Helmet Requirements

The state does not offer insurance discounts for riders who opt to wear helmets. As is, the law requires only operators under 18 years old to wear helmets while riding.

Penalties for Failure to Maintain Financial Responsibility

Riding your bike with no motorcycle insurance may lead to penalties including:

    • Fines.
    • The impounding of your bike.
    • The suspension of your license if you're involved in an accident without coverage.

Also keep in mind that insurance violations can look bad to motorcycle insurance companies, making it harder for you to find one willing to cover you. Additionally, you may find yourself paying increased rates after a violation.

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