North Dakota’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses, lost wages, and other related costs regardless of who is at fault in an accident. This system aims to reduce litigation and speed up compensation for minor injuries. However, if injuries meet a certain severity threshold, such as significant medical expenses or permanent disability, you may pursue a claim against the at-fault driver. Understanding the specifics of North Dakota’s no-fault insurance can help you navigate claims efficiently and ensure adequate protection.