South Dakota Car Insurance (SD)

The State of South Dakota requires car insurance that provides for liability coverage and for protection against uninsured or underinsured drivers. The liability coverage falls into two categories: bodily injury and property damage. The minimum level for bodily injury liability is $25,000 for an individual and $50,000 for the incident. The minimum property damage liability coverage is $25,000.

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Minimum Insurance Requirements in the state of South Dakota (SD)

Your liability insurance covers your responsibilities if you are in an accident and are at fault. The coverage for an individual's bodily injury is for one person in the other car. The $50,000 minimum is for injury-related costs to all people in that car. The property damage covers damage to the other car.

South Dakota also requires insurance to protect you from uninsured or underinsured drivers. It is also bodily injury coverage and pays for the injury-related costs to you and your passengers incurred in an accident where the other driver is at fault and either has no insurance or has insufficient coverage to pay for your expenses. There is no property damage coverage in this portion of the policy.

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Additional Insurance Coverage in South Dakota

Collision coverage and comprehensive coverage will pay for damages to your vehicle. Collision coverage pays for the repairs required as a result of an accident. Comprehensive coverage pays for non-accident related damage to your car from such incidents as storm damage, vandalism, fire or theft. Both of these policy clauses will come with deductible payments attached to them. High deductibles will drive your premium payments down substantially.

Medical payments coverage will pay for injury-related costs that you and your passengers incur, regardless of who is at fault. This insurance usually spans not only emergency and hospital treatment, but lost work hours and in some cases, rehabilitation. Medical payments coverage often has a specific period of accessibility after an accident - one year, for example.

Also available on an optional basis is insurance to cover your towing costs in the event of an accident. If you belong to an auto club, you probably do not need it. You can buy coverage that will pay for a rental car for you to drive while your automobile is in the shop. Some car insurance companies will also make disability coverage available. Auto insurance policies are personalized purchases, tailored to your financial position and the value of your car.

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