N.D. Cent. Code § 26.1-40-24: 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.