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North Dakota Insurance Department
Adam Hamm, Commissioner
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If I let friends drive my motorcycle, are they covered if they cause an accident?
Yes. The insurance owned by you, the motorcycle owner, is the primary insurance. If your friend also has motorcycle insurance it would be secondary and provide coverage for damage only in excess of your motorcycle coverage.

What insurance is required on a recreational vehicle?
Insurance may be required depending on where the recreational vehicle is being used. Please ask your agent to see if your recreational vehicle needs insurance.

Will my homeowner policy cover my boat?
Probably not because there is limited coverage for certain types of boats under a homeowner policy. Typically it is for smaller boats or boats without motors. Read the policy language or contact an insurance agent for more information.


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North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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