ND

North Dakota Insurance Regulations

Consumer rights and insurance laws in North Dakota

Overview

North Dakota Insurance Department regulates the insurance industry and assists consumers. As a no-fault PIP state with a generous 6-year statute of limitations, North Dakota provides significant consumer protections.

Key Insurance Regulations in North Dakota

  • Modified comparative fault — barred at 50% or more fault
  • 6-year statute of limitations for personal injury and property damage
  • No-fault PIP state — PIP coverage required
  • Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in North Dakota

If you believe your insurance company has acted unfairly or violated North Dakota insurance laws, you can file a complaint with the North Dakota Insurance Department. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The North Dakota Insurance Department typically responds to complaints within 30 days.

North Dakota Insurance Department

Insurance Commissioner: Jon Godfread

Phone: (701) 328-2440

Website: https://www.insurance.nd.gov

File a Complaint: Consumer Complaint Portal

Insurance Claim Guides for North Dakota

Browse our detailed insurance claim guides tailored specifically to North Dakota laws and regulations.

Auto Insurance Claims in North DakotaHome Insurance Claims in North DakotaHealth Insurance Appeals in North DakotaInsurance Denial Letter Templates in North DakotaDemand Letter Guide in North DakotaInsurance Settlement Calculator Guide in North DakotaDiminished Value Claims in North DakotaTotal Loss Dispute Guide in North DakotaBad Faith Insurance Claims in North DakotaUnderinsured Motorist Claims in North DakotaUninsured Motorist Claims in North DakotaRental Car Insurance Coverage in North DakotaGAP Insurance Claims in North DakotaInsurance Subrogation Explained in North DakotaPIP (Personal Injury Protection) Guide in North DakotaBodily Injury Claims in North DakotaProperty Damage Claims in North DakotaLiability Claim Process in North DakotaComprehensive Insurance Claims in North DakotaCollision Insurance Claims in North DakotaFlood Insurance Claims in North DakotaFire Insurance Claims in North DakotaTheft Insurance Claims in North DakotaVandalism Insurance Claims in North DakotaAuto Glass Insurance Claims in North DakotaHail Damage Insurance Claims in North DakotaWind Damage Insurance Claims in North DakotaWater Damage Insurance Claims in North DakotaMold Insurance Claims in North DakotaRoof Damage Insurance Claims in North DakotaFoundation Damage Claims in North DakotaSinkhole Insurance Claims in North DakotaEarthquake Insurance Guide in North DakotaHurricane Insurance Claims in North DakotaTornado Damage Insurance Claims in North DakotaLightning Damage Insurance Claims in North DakotaTree Damage Insurance Claims in North DakotaFence Damage Insurance Claims in North DakotaAppliance Breakdown Claims in North DakotaIdentity Theft Insurance Claims in North DakotaCyber Insurance Claims in North DakotaPet Insurance Claims in North DakotaTravel Insurance Claims in North DakotaLife Insurance Disputes in North DakotaDisability Insurance Claims in North DakotaWorkers' Compensation Claims in North DakotaLong-Term Care Insurance Claims in North DakotaDental Insurance Appeals in North DakotaVision Insurance Claims in North DakotaPrescription Drug Appeals in North DakotaAccident Scene Documentation in North DakotaInsurance Adjuster Tactics in North DakotaDiminished Value Calculator Guide in North DakotaTotal Loss Vehicle Valuation in North DakotaPain and Suffering Calculation in North DakotaMedical Bills in Auto Claims in North DakotaLost Wages Insurance Claims in North DakotaFiling a Bad Faith Insurance Lawsuit in North DakotaWhen to Hire a Car Accident Lawyer in North DakotaInsurance Claim Timeline Guide in North DakotaIndependent Vehicle Appraisal Guide in North DakotaAppraisal Clause in Auto Insurance in North DakotaDiminished Value by State in North DakotaTotal Loss Threshold by State in North DakotaRental Car After an Accident in North DakotaYour Rights During Car Repairs in North DakotaOEM Parts in Insurance Claims in North DakotaInsurance Negotiation Tactics in North DakotaDemand Package for Auto Claims in North DakotaCommon Insurance Claim Denial Reasons in North DakotaStatute of Limitations for Auto Claims in North DakotaFiling Claims in No-Fault States in North DakotaAt-Fault Accident Claims in North DakotaComparative Negligence in Claims in North DakotaUninsured Motorist Property Damage in North DakotaHit and Run Insurance Claims in North DakotaParking Lot Accident Claims in North DakotaRideshare Accident Insurance Claims in North DakotaCommercial Vehicle Accident Claims in North DakotaDeer Collision Insurance Claims in North DakotaFlood Car Damage Claims in North DakotaCatalytic Converter Theft Claims in North DakotaCar Break-In Insurance Claims in North DakotaTire Blowout Accident Claims in North DakotaPothole Damage Insurance Claims in North DakotaHail Damage Car Claims in North DakotaHow to Review Your Auto Insurance Policy in North DakotaAuto Insurance Coverage Gaps in North DakotaMulti-Vehicle Accident Claims in North DakotaDisputing Fault Determination in North DakotaFiling an Insurance Commissioner Complaint in North DakotaNegotiating Diminished Value Claims in North DakotaFighting a Total Loss Declaration in North DakotaBodily Injury Settlement Guide in North DakotaInsurance Fraud Prevention Guide in North DakotaSubstandard Auto Repair Claims in North DakotaTotal Loss Buy-Back Process in North DakotaInsurance Claims After a DUI in North DakotaCommercial Auto Insurance Claims in North DakotaStorage Unit Insurance Claims in North Dakota

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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