Insurance Disputes Laws in North Dakota.

Enumerates specific unfair claim settlement practices. Enforcement through the ND Insurance Department.

North Dakota recognizes common-law bad faith based on breach of the implied covenant of good faith and fair dealing. Punitive damages available for particularly egregious conduct.

North Dakota requires UM coverage; UIM optional. Minimum limits match liability (25/50).

North Dakota is a no-fault auto insurance state. Basic PIP provides $30,000 per person for medical, lost wages, and related costs. Tort suits for pain and suffering limited by verbal threshold (death, serious permanent disability, or $2,500+ medical expenses).