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Category Archives: South Dakota Insurance

South Dakota State Flag
South Dakota State Flag

South Dakota car insurance requirements start at 25/50/25.

This means you must have SD auto insurance in the amount of $25,000 coverage for bodily injury liability per person and $50,000 coverage for bodily injury liability total per accident.

You are also required to carry at least $25,000 coverage for property damage liability total.

If the damage to either people injured or auto damage/destruction exceeds these limits, you will be responsible for for the difference.

Due to that fact, we urge you to check out getting more coverage than the bare minimum when buying South Dakota auto insurance.

Texting While Driving Now A Crime In South Dakota’s Biggest City

Texting While DrivingPost Date September 13, 2012 –  Anyone whom has read my auto insurance industry Blog;   is well aware of my position on both the use of hand-held cell phones and texting while driving a car or truck.  Although a number of states have banned the use of hand-held devices for the use of texting while driving ; there are States like South Dakota while have entirely rejected and proposal of a ban on texting while driving.  Although the state government’s view is misguided, the South Dakota’s largest city has gone against its state legislators and legislated a measure to enforce a ban on texting while driving in Sioux Fall City.

Texting While Driving Kills

Sioux Falls City,City Council introduced and passed an ordinance prohibiting drivers from sending and receiving text or electronic messages while operating any type of motor vehicle.  Texting while driving within the city limits of Sioux Falls City, South Dakota is a violation of this ordinance will be considered a very serious crime.  The new ordinance will go into effect  two weeks from today on September 28. Any driver caught violating texting while driving  in Sioux Falls City will face a fine of $200.  Anyone convicted of multiple offenses of the new ordinance will face a much stiffer fine and 30 days in jail.  The new Sioux Falls City ordnance is very different that many similar laws I have discussed in the past.  Unlike the typical texting while driving ban in other states, the U.S., Sioux Falls City only prohibits the sending and receiving of electronic messages. Drivers can still receive phone calls from a hand-held phone. Sioux Falls was able to pass legislation due to City home rule which allows passage of measures not forbidden by state law. The ban on texting while driving in Sioux Falls was introduced by the Citizens for Cell Phone Safety While Driving.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

South Dakota Insurance Officials To Fix Issues Surrounding Medical Coverage Applications

South Dakota Insurance Officials To Fix Issues Surrounding Medical Coverage Applications

Friday’s Post 11.25.11 –  Regulators in South Dakota have embarked on providing much-needed clarity in medical benefits that are covered by auto insurance firms in the health and motor industry. There is a general concern especially when it comes to vehicle accidents. The officials agree that this problem is now wide-spread and is being experienced in most states. Some of the issues… Continue Reading

Auto Insurance Discount For South Dakota Residents Repealed

Auto Insurance Discount For South Dakota Residents Repealed

For many, many years, seniors in South Dakota have been eligible for auto insurance discounts for safe driver courses completed successfully. This is, however is set to change with the recent changes made by South Dakota legislators that repealed the state law that allowed seniors to enjoy this car insurance discount privilege. The law had previously required car insurance companies to offer discounts… Continue Reading