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What to do after a hit-and-run in North Dakota

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After an accident in North Dakota, both drivers are required to stop and exchange information. However, hit-and-run accidents, where one of the drivers involved leaves the scene, are more common than you might think. Understanding how North Dakota views hit-and-runs, how a hit-and-run could affect your insurance and how to react after an accident could help you feel more prepared.

Hit-and-runs in North Dakota

In North Dakota, a hit-and-run is defined as a collision between two or more vehicles where one of the drivers involved does not stop. After an accident, all drivers involved are required to stop, render medical aid if possible, call emergency services if necessary, and exchange personal and insurance information with the other driver or drivers.

North Dakota hit-and-run laws

After an accident in North Dakota, the at-fault driver is responsible for the financial fallout of the damages they caused. Because North Dakota is a no-fault state, every driver carries personal injury protection (PIP), which will automatically pay for their medical bills and lost wages, regardless of fault, up to their policy limit. However, North Dakota does allow litigation for medical expenses in certain instances and up to certain thresholds.

Leaving the scene of an accident in North Dakota comes with consequences, particularly if there are injuries or fatalities. Any driver who is charged with a hit-and-run that results in bodily injury or fatalities will likely have their license restricted. If a driver causes an accident and there is more than $4,000 in property damage, they are required to notify the police. Failure to report the accident will result in a $50 fine.

How hit-and-runs impact car insurance rates in North Dakota

Filing a claim for a hit-and-run can impact your car insurance premiums. After a hit-and-run in North Dakota, drivers pay an average of $2,539 per year for full coverage insurance, compared to $1,264 before a hit-and-run. The rate increase after a hit-and-run is generally much more significant than the increase after a standard accident.

Average annual full coverage premiums:

Before a hit-and-run After a hit-and-run After a standard accident
North Dakota average $1,264 $2,539 $1,762
National average $1,674 $3,367 $2,311

3 things to do after a hit-and-run in North Dakota

Getting into a hit-and-run accident can be scary. The first thing you should do is make sure that no one is injured, including you, your passengers and any other involved parties. If anyone needs medical attention, your first call should be to 911. If no one is injured and you are able to safely pull over to the side of the road, here are the three steps you may want to follow:

  1. Call the police: Even if the accident was minor, you may still want to call the police after a hit-and-run. Leaving the scene of an accident is a crime, and the police may want to investigate it. An officer could also write a police report which could be helpful to your insurance company, should you file a claim.
  2. Document the damage: If you are able to pull over in a safe place, you might consider taking pictures of the damage to your vehicle. These could be helpful during the insurance claim process. Also keep a record of any medical treatment that you or your passengers receive, either at the scene or at a hospital.
  3. Call your insurance company: The last step is to call your insurance company, if you want to file a claim, and let them know what happened. An agent will walk you through the claim process and explain what your policy will cover.

Will insurance cover a hit-and-run?

Your own car insurance policy may help to cover the aftermath of a hit-and-run in North Dakota. A minimum coverage car insurance policy in North Dakota includes both uninsured and underinsured motorist coverage, which could help cover your medical bills if you get hit by a driver who leaves the scene of the accident. Keep in mind, though, that you may need to prove that the other driver did not have insurance or did not have enough insurance for your expenses to use these coverage types.

Personal injury protection (PIP) is also required in North Dakota, and is designed to pay for your medical costs and other qualifying expenses after a loss, up to your policy limit and regardless of fault. For vehicle damage, drivers who have a full coverage policy may be able to use their collision insurance to help pay for car repairs.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on where you live, how much you want to spend, what discounts you qualify for, what type of coverage you need and more. Shopping around may help you find the best carrier for your needs.

How much does car insurance cost?

The average cost of car insurance in the United States is $1,674 per year for a full coverage policy. In North Dakota, the average rates are much lower. The average North Dakota driver pays $1,264 for full coverage and $285 for minimum coverage. Your rates will vary based on your personal rating factors.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Writer & Editor