South Dakota Automobile Insurance

South Dakota automobile insurance is mandatory on all vehicles in South Dakota.[1] Unfortunately, there are individuals driving throughout the state of South Dakota without the proper coverage. In the case that an individual is at fault for bodily injury or property damage that is caused in an automobile accident, they must provide proof of insurance. Everyone who buys a policy is presented with an ID card that they are able to present any time they are asked to prove that they are carrying insurance on their vehicle. If a person fails to provide this proof, they may lose their license, have to pay a fine, or even experience jail time.[1]

This shows how important it is to have South Dakota automobile insurance. There are consequences if a policy is not present on an automobile. Fortunately, however, it is not out of the question to find affordable coverage that is enough to cover damages in the case of an accident.

Classic Car Insurance

Classic South Dakota automobile insurance comes mainly as liability coverage. Liability is the minimum that you can carry on your vehicle. It is also what is required by the state of South Dakota. [1]

It is important when involved in an accident that you report the accident to your South Dakota automobile insurance company even if you don't want to. You never know when the other party may file a lawsuit against you for the accident. If you don't report the accident, this is as bad as not having coverage because you can then be held 100% liable for the damages sustained by the other party.

It is also an issue in South Dakota and other states that the minimum coverage is not enough, so it is important to seek out adequate insurance coverage so that you are properly covered in the case of an accident. This keeps you from getting sued. You can have liability, but with higher coverage amounts. An insurance quote is the ideal way for you to compare policies and find the right one.

You may also consider full coverage South Dakota automobile insurance if you are driving a newer vehicle and the loss would be substantial. Full coverage is required anyway if you have an auto loan on your automobile. An example of what may be included in full coverage South Dakota automobile insurance includes a rental car allowance, towing, and coverage on another car if you use it in place of your car while yours is undergoing repairs. Full coverage can also protect you if another person driving your car is in an accident.

Basically, full coverage includes both liability and comprehensive. Under comprehensive, such incidents as automobile collisions with animals are included. Under just liability, collisions with animals or objects are not included. That is an expense that you will have to cover on your own. If you do feel that you need comprehensive coverage, however, you can invest in a South Dakota automobile insurance policy that is full coverage.

If you opt to take this route, you will have more protection for your automobile. You can also expect to pay more for your coverage, but can use the quote to help find the best rate on full coverage as well. You may be surprised that you can secure reasonable insurance rates for more protection for you and your automobile.

Using Your Car for Work

In South Dakota, many individuals use their vehicles for work purposes. Pizza delivery guys are an example of individuals who use their cars for work. There is one element of the law in the state that must be evaluated, though.

If by some chance you are using your car for work and you are in an accident, it is possible that the policy on the car will not cover an "at fault accident." This is determined by the agency. It is possible, however, to obtain what is called a "policy endorsement" if coverage is needed. On the other hand, you may want to check with your employer to see if they have liability protection that protects employees in the case that they are in accidents in their own vehicles when performing work.

There are other incidents that can occur in South Dakota that can affect your vehicle. For example, if you take your car in for a repair and the mechanic wrecks your car during a test drive, your South Dakota automobile insurance is not responsible for the accident. The mechanic is held responsible.

Depending on the South Dakota automobile insurance you invest in, you are going to be offered varying degrees of protection. You can choose your protection levels by obtaining quotes to review the different types of policies and their prices. No matter what you do, make sure you have adequate coverage in case an accident does occur.

[1] http://www.state.sd.us/drr2/reg/insurance/consumer/faq.html Retrieved 06/07/10.


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