Does North Dakota Have No Fault Auto Insurance? 
North Dakota is considered a No Fault State for personal Injury up to a certain limit for medical expenses . In a no-fault state , each driver 's insurance pays for his or her own injuries up to a certain limit , regardless of who was at fault for the accident . the total necessary medical expenses you incurred because of the accident must exceed $ 2,500 , -- or -- you must have suffered `` serious and permanent disfigurement or disability '' lasting more than 60 days . 