Coverage Options

Options, options, options. Some auto insurance options are great to have, but not essential. Others aren't options at all. In fact, going without required coverages can get you in trouble with the law.

Either way, decisions you make about insurance protection - like the amount of deductible you pay, should you ever make a claim - can impact how much your auto insurance will cost.

There also are several auto insurance discounts that will help you further lower your car insurance bill. If you'd like some advice, get in touch with a Go Auto agent.

If you need low-cost auto insurance, below are the choices that make a difference. Look them over before making a final decision.

Need to have:

What it is:

This protects you from the injury or death of another driver or passenger from an auto accident if you are determined to be at fault. Some of the things you may be liable for include:

  • Their medical expenses
  • Their lost wages
  • Damages for their pain and suffering

Why you need it:

In North Dakota, this coverage is required by law. Damages in an accident could be hundreds of thousands of dollars. If damages exceed the amount for which you're insured, you could be left with a personal exposure where the victim can legally pursue your or your assets for reimbursement.

What are your choices?

You coverage is represented by three sets of numbers:

  • Maximum Per Injury: This is the maximum amount paid to each injured person in an accident.
  • Maximum Per Occurrence: This number indicates the maximum amount paid to all injured persons for each accident.
  • Property Damage Limit: This is the most your policy pays for all property damage that you cause in an accident.
  • Combined Single Limit (CSL): This is a single, total combined protection limit for both injury and property damages caused by you in an accident.
Option Maximum Per Injury Maximum Per Occurrence Property Damage Limit
$25,000/$50,000/$25,000 $25,000 $50,000 $25,000
$50,000/$100,000/$50,000 $50,000 $100,000 $50,000
$100,000/$300,000/$100,000 $100,000 $300,000 $100,000
$250,000/$500,000/$100,000 $250,000 $500,000 $100,000
$500,000 CSL (Combined Single Limit) $500,000 Maximum Per Occurrence
$1,000,000 CSL (Combined Single Limit) $1,000,000 Maximum Per Occurrence

What it is:

This insurance protects you from the damage to another person's property when you cause an accident. This might include:

  • Vehicles
  • Bicycles or personal property
  • Homes or fences
  • Storefronts and other structures

Why you need it:

In North Dakota, this coverage is required by law. You could be obligated to pay the costs to repair damaged property. If the car you hit happens to be a nice sports car, for example your liability could be pretty high.

What are your choices?

You can select from the following property damage limits

  • $25,000
  • $50,000
  • $100,000

What it is:

Auto liability insurance is required in North Dakota, yet the reality is, some driver's like to take chances and drive without insurance. This type of insurance pays for damages that result from the injury or death of you or someone in your car, caused by an uninsured driver.

Why you need it:

In North Dakota, this coverage is required by law. If you're involved in an accident that's not your fault, and that driver is uninsured, you may be stuck with all your own medical bills and resulting expenses.

What are your choices?

Your uninsured & underinsured motorist coverage is represented in two numbers:

  • Maximum Per Injury: This is the maximum amount of coverage for each injured person up to the maximum amount of the second number, which is the maximum allowed for all injured persons in an accident.
  • Maximum Coverage Per Accident: This dollar amount indicates the maximum amount of coverage for all injured persons in an accident.
  • Combined Single Limit (CSL): This is a single, combined protection limit for injured persons involved in accident.
Option Maximum Per Injury Maximum Coverage Per Occurrence
$25,000/$50,000 $25,000 $50,000
$50,000/$100,000 $50,000 $100,000
$100,000/$300,000 $100,000 $300,000
$250,000/$500,000 $250,000 $500,000
$500,000 CSL (Combined Single Limit) $500,000 Maximum Per Occurrence
$1,000,000 CSL (Combined Single Limit) $1,000,000 Maximum Per Occurrence

What it is:

PIP is part of your auto policy and provides the following protection for you and/or the passengers in your vehicle:

  • Medical expenses
  • Rehabilitation
  • Lost work wages
  • Cost of services such as housekeeping and yard work
  • Survivor's income loss
  • Funeral expenses

Why you need it:

In North Dakota, this insurance is required by law.

What are your choices?

Basic PIP coverage is 30,000 per person. However, you can choose to purchase higher limits of this coverage.

  • $30,000
  • $40,000
  • $60,000
  • $80,000
  • $110,000

Smart to have:

What it is:

Covers damages to your insured auto that results from a collision with another object which could include things like:

  • Another car
  • A tree
  • A building

Why you might want it:

It helps protect you from large repair bills and if your car is damaged beyond repair, you can recover the actual cash value (minus your deductible).

What are your options?

A deductible is the amount of loss for which you are responsible before the insurance company makes any payments. So, which deductible is right for you? Choose from one of the following collision deductible options (these can vary by type of vehicle)

  • $50
  • $100
  • $250
  • $300
  • $500
  • $600
  • $1,000
  • $2,500
  • $5,000

What it is:

Other Than Collision (also called comprehensive) helps pay for damage to your car not caused by a collision�things like:

  • Falling objects
  • Hail
  • Fire
  • Theft and vandalism
  • Explosion
  • Earthquake

Why you might want it:

It helps protect you from large repair bills and if your car is damaged beyond repair, you can recover the actual cash value, minus your deductible. Comprehensive coverage is also required by many lenders when you use a loan to purchase your car.

What are your options?

A deductible is the amount of loss that you're responsible for before the insurance company makes any payments. Choose from:

  • $50
  • $100
  • $250
  • $300
  • $500
  • $600
  • $1,000
  • $2,500

Nice to have - if you ever make a claim:

What it is:

Endorsements (or riders) expand your coverage through specific, added protection.

Why you might want it:

It helps protect you from large repair bills or expenses. If you want coverage for something extra like customized stereo equipment, towing, rental cars and other things not provided under your standard policy, you can add it to your coverage.

What are your endorsement options?

  • Accidental Death Indemnity
  • The Saver - Repair or Replacement Cost Coverage
  • Original Equipment Manufacturer's Parts
  • Transportation Expenses Coverage (Rental)
  • Towing & Labor Cost Coverage
  • Coverage for sound producing equipment, i.e. audio, visual, data electronic equipment, tapes, discs and other media.
  • Customizing Equipment Coverage(additional custom finishing or equipment etc)
  • Auto Lone/Lease Coverage to pay the amount due on loan or lease in the event of a total loss
  • Additional Personal Injury Protection (No Fault) increases limits for this coverage