Auto Insurance Policies

Reader’s Question:

Are drivers required to purchase uninsured motorist automobile insurance policies in South Dakota?

Trevor

Sioux Falls, SD

South Dakota is one of the states in America where the number of uninsured drivers is very high. Of the total driver population in the year 2006, 8% operate motor vehicles without any automobile insurance coverage at all. South Dakota has seen a steady rise in uninsured motorists since. It has also been witness to an increase in alcohol-related traffic accidents where most of the perpetrators were unable to pay for the damages they caused. This resulted in a promulgation that required motorists to not only carry minimum liability but uninsured motorist automobile insurance policies, as well.

Liability insurance that needs to be purchased is generally called the 25/50/25 coverage in South Dakota. These numbers stand for the maximum amount that automobile insurance companies will pay for an accident where their policyholder is responsible. $25,000 goes to treatment of injuries to one person, and up to a maximum of $50,000 for all passengers in the vehicle, while $25,000 is the limit for ruined property. Moreover, the uninsured motorist insurance covers $25,000 up to $50,000 for bodily injuries you or other passengers in your car sustained following a road mishap with an uninsured driver.

If you have been on a strained budget because of costly automobile insurance premiums, start shopping online. Get as much quotes as you can from various websites, so as to easily compare prices without having to make calls to each company individually.

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