Auto Insurance in North Dakota

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North Dakota Auto Insurance - Wikipedia Articles

  • Personal injury protection

    Personal Injury Protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to "fault," or more properly, legal liability. PIP is also called "no-fault" because, by definition, a claimant's, or insured's, insurance premium should not increase due to a PIP claim. Contents 1 Auto insurance 1.1 States with mandatory PIP coverage 2 Other than auto insurance 3 References Auto insurance [edit] PIP is a mandatory coverage in some states. PIP coverage may vary from state to state in terms of both what is covered and what types of treatments are considered customary and reasonable. For example, in Utah, acupuncture is a permissible medical treatment, while in California it is not.[citation needed] Some states also ... (see more)

  • Usage-based insurance

    Image:Aioi patent.JPG

    Usage based insurance, also known as pay as you drive (PAYD) and pay how you drive (PHYD) and mile-based auto insurance is a type of automobile insurance whereby the costs of motor insurance are dependent upon type of vehicle used, measured against time, distance, behaviour and place. This differs from traditional insurance, which attempts to differentiate and reward "safe" drivers, giving them lower premiums and/or a no-claims bonus. However, conventional differentiation is a reflection of history rather than present patterns of behaviour. This means that it may take a long time before safer (or more reckless) patterns of driving and changes in lifestyle feed through into premiums. Contents 1 Concept 2 Potential benefits 3 Potential drawbacks 4 Implementations 4.1 Progressive Insurance 4.2 Liberty Mutual Insurance 4.3 AIOI 4.4 Real Insurance 4.5 IRIS 4.6 GMAC Insurance 5 Tests 6 Patents 7 Trademarks 8 Impaired driving 9 References 10 External links Concept [edit] The s... (see more)

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