Notice requirements following total loss
N.D. Cent. Code § 26.1-40-24
in effect26.1-40-24. Notice requirements following total loss
If an insurer determines an automobile with physical damage coverage has incurred a total
loss or constructive total loss and that insurer continues to write comprehensive or collision
coverage on that automobile, the insurer shall provide notice to the insured that:
1. The insurer determined the automobile is a total loss;
2. The insured's current coverage on that automobile includes comprehensive or collision
coverage;
3. If the insured does not repair the automobile, the insurer will reduce the amount of any
future physical damage claim for that automobile by the amount paid for the total loss;
and
4. If the insured does not repair that automobile, the insured should contact the agent to
request that the comprehensive or collision coverage on that automobile be
discontinued.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://ndlegis.gov/cencode/t26-1c40.pdf#nameddest=26p1-40-24Fetched: 10/16/2026