Requirements   Click Here for South Dakota's Specific Requirements

 

Auto Insurance provides essential liability protection and other coverage's required by law. It includes coverage if your car is involved in an accident while being driven by your or someone else. To enhance your policy with extra protection for damage, emergencies, repairs and personal property, you can choose additional coverage options.

 

Bodily Injury Liability

 

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures another driver or another car’s passengers. 

 

Property Damage Liability

 

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

 

Uninsured and Underinsured Motorist Coverage (UM/UIM)

 

It pays you, resident members of your family and occupants of your auto for personal injuries caused by an uninsured motorist or a hit and run driver. No coverage for damage to your vehicle is provided.

 

 

Optional Coverage's

 

Full Coverage

 

Includes both Comprehensive and Collision coverage.  Comprehensive coverage helps pay for repairs or to replace your car if it is stolen, vandalized or damaged in some way other than in a collision.  Includes loss or damage from fire, flood, falling objects, wind, hail and collision with an animal.  Collision coverage helps pay for repairs to your car for damage caused by an accident.

 

Roadside Assistance

 

Roadside Assistance Coverage is added to a policy to help pay for towing to the nearest qualified repair shop and other basic emergency services. 

 

Rental Car Reimbursement

 

Rental Car Reimbursement helps pay for the cost of renting a car while yours is in the shop being repaired after a covered loss.