Reader’s Question:

I live in North Dakota. I do not have an insurance and my car was hit by this person. Will his insurance cover this and my medical bills?

Hannah

Thank you for asking Hannah.

Driving without liability insurance is a class B misdemeanor and is punishable by a mandatory fine of at least $150. The state will assess 14 points against your driver’s license, resulting in a suspension of your license if you get involve in an accident.

According to the ND Insurance Department , when a driver has been convicted of driving without liability insurance, the law requires that the individual show proof of liability insurance to the ND Drivers License Division of The Department of Transportation for a period of 3 years.

Normally medical expenses would go through your own no-fault (PIP) coverages though if you did have the required insurance that North Dakota mandates motorist have. It is likely your damages and injuries will be covered by their policy if the other driver’s insurance company finds their policyholder to be at fault and liable.

Goodluck!

MariCAR