Delaney Simchuk, Car Insurance Writer
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South Dakota being a no-fault state means you can purchase PIP insurance to pay for your medical expenses after a car accident, regardless of fault. Unlike most no-fault states, South Dakota is an “add-on” no-fault state, which means your right to sue for injuries after an accident is not limited.
Key Things to Know About No-Fault Insurance in South Dakota
- Insurance companies in South Dakota offer personal injury protection insurance, which is sometimes referred to as no-fault insurance, but drivers are not required to buy it.
- No-fault insurance can cover medical expenses for you and your passengers, funeral expenses, lost income, childcare expenses, survivors’ loss, and household services.
- No-fault insurance does not cover any property or vehicle damage.
- No-fault laws in South Dakota are meant to lower the rates insurance companies charge consumers for car insurance by reducing legal costs.
To learn more, check out WalletHub’s guide to no-fault insurance and our picks for the cheapest car insurance companies in South Dakota.
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