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Yes, uninsured motorist coverage is required in South Dakota. Drivers in South Dakota are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person (up to $50,000 per accident), as well as $25,000 in underinsured motorist bodily injury coverage per person (up to $50,000 per accident). South Dakota does not require drivers to have uninsured motorist property damage (UMPD) insurance, however.
Uninsured motorist insurance covers the policyholder’s expenses after an accident if the other driver doesn’t have insurance or doesn’t have enough coverage to pay for the damage. UMBI pays for the policyholder’s medial bills, while UMPD pays to repair or replace their vehicle. Instead of UMPD, drivers in South Dakota can use collision insurance, which covers repairs after any car accident.
How Uninsured Motorist Coverage Works in South Dakota
Normally, a South Dakota driver can collect damages from the at-fault driver’s liability insurance after an accident. However, if the other driver is uninsured, getting compensation can be time-consuming or nearly impossible. That’s where uninsured motorist coverage can help. Instead of having to file a lawsuit, you can file a claim with your own insurance company in order to pay your bills and get the repairs or treatment you need without waiting for the courts.
Even though car insurance is required in South Dakota, an average of 8% of drivers in the state don’t have car insurance. Car accidents in South Dakota can be extremely expensive, too. For example, fatal accidents in South Dakota have a total cost of $205 million each year. As a result, uninsured motorist insurance is a smart investment for South Dakota drivers.
Key Facts About Uninsured Motorist Coverage in South Dakota:
- Uninsured Motorist Bodily Injury Coverage: $25,000 per person and up to $50,000 per accident
- Underinsured Motorist Bodily Injury Coverage: $25,000 per person and up to $50,000 per accident
- Uninsured Drivers on the Road: 8%
- Total Annual Cost of Fatal Accidents: $205 million
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