Reader’s Question:

My father and I just leased a vehicle in North Dakota. When we went to the dealership, I had a revoked driver’s license but my father is fine. Now, they would like me to get excluded, but the insurance carrier will not exclude me. What is the reason for that?

Jack

Fargo, ND

Most insurance carriers in North Dakota will not exclude the ‘named insured.’ (If the policy is under your name, you are the ‘named insured.’) The car insurance policy will most likely need to be in your father’s name - if you are going to be excluded. But, if you are excluded, you will not be covered to operate the car. Your best bet is to obtain your license reinstated if you can. Although the dealership wants you to be excluded, you will need to verify with the leasing company to be sure it is ‘ok’ for you to be excluded.

Reader’s Question:

I have an accident from a different country which is my fault, will I maintain my low cost auto insurance if I inform my insurance carrier at home my home state in North Dakota? Am I required legally to tell my insurance company?

Patty

Fargo, ND

Yes, you should inform them all of accidents, infractions or claims regardless of scope or location.

Many auto insurance policies require the policyholder to inform them of any accidents.

So the terms of your insurance policy in North Dakota may require you to inform your insurance provider of any accidents you are involved in, including those that may have happened out of the country. You are required legally to answer all the questions in their auto insurance contract truthfully before you sign your name to the document.

If this accident that happened out of the country or your current driving record causes your auto insurance premiums to increase you can shop online for low cost auto insurance in North Dakota.