Bodily Injury Requirements in South Dakota
There are numerous coverages that South Dakota mandates when you're operating a motor vehicle. Bodily injury liability is one of them.
In South Dakota, bodily injury liability is required at a minimum limit of $25,000 per person and $50,000 per accident. This coverage pays for the medical expenses of another driver when you're at fault for the loss.
Property Damage Requirements in South Dakota
Another vital limit to have on your auto policy is property damage liability. In South Dakota, it is also required for all drivers.
You'll need at least $25,000 in property damage liability in South Dakota while driving. When you don't have enough coverage, you'll be open to penalties.
Medical Payments Coverage Requirements in South Dakota
In certain states a coverage called personal injury protection, or PIP, may be required when purchasing car insurance. This coverage pays for your medical expenses when you're involved in an at-fault auto accident and get injured.
A similar coverage called medical payments insurance is available in South Dakota, and is optional. While you aren't mandated to carry this limit of protection, it may be a good idea if you want to avoid steep hospital bills.
Uninsured Motorist Coverage in South Dakota
Uninsured motorist coverage is a requirement in South Dakota, and for good reason. This limit pays for your expenses when involved in an accident with a driver that is without auto insurance.
While coverage is mandatory, not all people comply with local law. 7.7% of all South Dakota drivers are uninsured, leaving you open to additional risk.
Optional Car Coverage in South Dakota
Collision insurance and comprehensive insurance are considered "full coverage" under your auto policy and help pay for damage to your insured vehicles. These are just a couple of optional coverages you can select under your South Dakota car insurance.
A standard auto policy comes with mandatory liability limits that protect you and the other party, but your vehicles can be left out of this coverage. To have a more robust policy, consult with a local adviser about your car insurance options.
Car Insurance Discounts to Consider in South Dakota
In South Dakota, car insurance discounts can usually be obtained in some form or fashion. If you have more than one policy with a carrier, you'll qualify for a multiple policy discount, saving you 30% or more on coverage.
Another way to cut costs is through an association discount when you're part of a teachers union, attorney group, or government agency. You could also save 10% just by being a loyal customer to the same insurance company.
How to File a Car Insurance Claim in South Dakota
When you're in an auto accident, there's a lot that can happen in the heat of the moment. In order to keep things simple, remember these 4 easy steps for filing a car insurance claim in South Dakota.
First, find a safe place and make sure injuries are taken care of by a medical professional. Second, call your independent insurance agent to file the loss and obtain a claims number. Third, if you need a replacement vehicle and your policy has coverage for one, use it. Finally, consult with your adjuster to assess the damage and collect payment due.