The minimum requirements for South Dakota are 25/50/25 with 25/50 UM. Yes, that probably sounded like Greek or at least like some type of account speak at the very least. What this means is that you have to carry as least $25,000 in bodily injury coverage for each person in the accident if you are found at fault, and $50,000 for all persons in the same accident. This pays for their medical and funeral expenses.
The reason “if you are found at fault” is stated is because South Dakota is a Tort state. This means that someone must be found at fault in the accident. This determination will ultimately be made by the insurance companies. They will use information from the incident such as the police accident report, and if that is not available an insurance adjuster will contact you and get your version of what happen. They will also interview all other parties and witnesses to the accident and make a final determination.
The last number in the three number series stands for $25,000 of property damage coverage. This will pay for the repair or replacement of physical property your vehicle destroyed or harmed in the accident.
The last part of the requirement is that you will need to have $25,000 and $50,000 is for bodily injury in uninsured/underinsured motorist insurance. This is in case you are not found at fault in the accident but the person that is either does not have enough insurance to cover all the cost or unfortunately as does happen in some cases, does not have any insurance at all.
Remember that these are only minimums. Most car accidents can be quite a bit higher than this. Another, option you can add to your insurance but that is not a requirement in South Dakota is what is called PIP or personal injury protection. This makes sure that you and all passengers in your car receive your medical or funeral expenses covered regardless of who is at fault immediately. The coverage is to the maximum of what you purchase. This rider to your policy is very economical and is truly is worth the extra that it will cost.
Mount Rushmore is considered one of the great wonders of the world. The busts of 4 of our great presidents were sculpted by Gutzon Burglum, who started it in 1927 and finished by his son Lincoln in 1941. The original plan for these sculptures that are sitting on this mountain range in South Dakota was to have the likenesses of the presidents go from their heads to their waists, but funding fell through. This was one of the projects that helped restore the country after the great depress like the Hoover Dam, that stands today for tourists worldwide to come and view their majestic visage.
Take a drive and visit this incredible monument to George Washington, Thomas Jefferson, Abraham Lincoln, and Theodore Roosevelt four of the greatest presidents that ever lived. You will want to make sure that when you drive there that your auto insurance is at the very minimum that is required in South Dakota.