Proof of Financial Responsibility & Penalties
Under South Dakota law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.
Insurance companies are required to notify the South Dakota Department of Public Safety whenever a policy is issued or terminates. The Department of Public Safety will then request verification of coverage from you.
If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, including suspension of your driver’s license and/or vehicle registration. If you operate a motor vehicle while your driver’s license and/or vehicle registration is under suspension, you could be charged with a Class 1 or Class 2 misdemeanor, and the length of your suspension can increase.
In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.
If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.