Reader’s Question:

Is it necessary to get auto insurance in Fargo, North Dakota? I cannot afford auto insurance right now and I need to save money.

Danny

Fargo, ND

The state of North Dakota requires that all automobiles registered and driven in the state carry certain minimum insurance coverages. The car insurance coverages and minimum limits mandated by the North Dakota law are:

• Bodily Injury Liability: $25,000 per person up to $50,000 per accident to all people injured per accident
• Property Damage Liability of $25,000 per accident.
• $25,000 Uninsured Motorist Coverage per person up to $50,000 per accident.
• Underinsured motorist coverage
• $30,000 for Basic No-Fault coverage of per person. Personal Injury Protection or PIP is also known as No fault.

If you only pay for one month of car insurance and then let it lapse and if you get caught you will face penalties by the state. If you are found at fault in an accident and driving without insurance it can mean that the other driver can come after you for you in court. So if you cannot afford car insurance then you should not operate a vehicle that is uninsured placing yourself and other people at risk. You may also try to shop around for cheap car insurance cost and see if you can indeed afford auto insurance so that you can legally operate a vehicle in Fargo ND.

Tags: auto insurance, car insurance cost