If your home is in Sioux Falls, Aberdeen or anywhere in between, SafeAuto wants to help you find the cheapest auto insurance in your area. While SafeAuto does not currently offer direct coverage in South Dakota, we can still help you get a cheap quote on the coverage you need.
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Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000
South Dakota's Financial Responsibility law requires you to maintain liability limits of at least:
The first number is the maximum amount that your policy will pay for bodily injury to or death of one person in any one accident
The maximum amount that your policy will pay for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit.
The maximum amount that your policy will pay for damage to or destruction of property of others in an accident.
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.