South Dakota Car Insurance
Auto insurance is mandatory for drivers in the state of South Dakota. South Dakota drivers are required to carry minimum liability insurance of $25,000 per person, $50,000 per accident for bodily injury and $25,000 minimum coverage for property damage. These are minimum coverage amounts that protect the driver up to the coverage limits for the specified damages types in the event of an at fault accident.
South Dakota law also requires drivers to purchase Uninsured/Underinsured Motorist (“UIM”) coverage with minimum limits of $25,000 per person, $50,000 per accident for bodily injuries. With UIM coverage, a driver is insured up to the UIM limits in the event the at fault driver does not have insurance or does not have enough insurance for the damages sustained in an accident.
Keep Your Car Insurance Current
It is very important that South Dakota drivers do not allow their auto insurance coverage to lapse. Drivers without insurance in South Dakota may be forced to comply with state financial responsibility laws and purchase SR–22 Insurance. They can also be held personally responsible for all damages caused in an accident. Driving without car insurance is fiscally irresponsible and can lead to financial ruin.
Optional Insurance Coverage Types
South Dakota drivers should consider purchasing liability insurance and Uninsured Motorist coverage with higher limits, or other optional coverage types such as Personal Injury Protection, Comprehensive and Collision Coverage. These are all important types of insurance coverage as each day hundreds of South Dakota drivers are involved in car accidents. Other types of auto insurance coverage to consider adding to your South Dakota auto insurance policy include rental car, towing, and roadside assistance resulting from an accident.
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