Automobile liability, comprehensive, and collision coverage is provided by the Risk Management Fund under the following conditions:

• The operator/driver must be an employee of the State of North Dakota;
• The vehicle must be used for state business; 
• The employee must be operating within the scope of the employee’s employment (state business);
• The only occupants authorized in the courtesy/leased vehicle are employees of the State of North Dakota, with the exception of when the vehicle is being used for the purpose of recruiting (considered state business) and as a part of that duty it is deemed necessary to transport the potential recruit and/or the recruit’s family members in the vehicle

If the employee intends to use the courtesy/leased vehicle for personal use, which includes transportation of persons that are not employees of the State of North Dakota (i.e. family members, significant other), the employee must purchase his/her personal insurance coverage for that particular use. Risk Management will not cover losses under these circumstances. Proof of personal insurance must be provided to the designated department prior to any personal use. That designated department and Risk Management will provide guidance on the necessary levels of insurance coverage to purchase for the courtesy/leased vehicle.