auto insurance North Dakota
Reader’s Question:
I had an accident in ND and I have $30,000 of Personal Injury Protection, does this means that my medical bills will only cover $30000?
Grace
Thank you for asking Grace.
You would only have $30,000 of coverage under your Personal Injury Protection coverage. Bodily Injury Liability coverage is for other people you may have injured, not yourself. If you have health insurance, I would contact them for additional coverage.
Had you injured anyone in the other vehicle and you were at fault then the person that you hurt would have to pay their Personal Injury Protection first. That pays first regardless who was at fault. After their Personal Injury Protection is exhausted then they would seek payment from you your Bodily Injury. In your case you would have additional medical coverage for them up to $100,000 per person and $300,000 per accident. Had the other driver been at fault and not have $100,000/$300,000 coverage then your uninsured motorist coverage would pay over and above your Personal Injury Protection.
Goodluck!
MariCAR
