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Underinsured motorist coverage is for when the at-fault driver has insufficient liability insurance limits. This is for when the driver of the other cars insurance coverage is too low to cover your damages. Many people in South Dakota have $100,000 in underinsured motorist coverage. For the reasons you can read about in this article , that simply isnt enough. I recommend you have at least a million dollar underinsured motorist policy.

What is underinsured motorist coverage, and do I have it?

 

A: “Underinsured motorist” coverage is for when the at-fault driver has insufficient liability insurance limits.  This is for when the driver of the other car’s insurance coverage is too low to cover your damages.  Many people in South Dakota have $100,000 in underinsured motorist coverage.  For the reasons you can read about in this article, that simply isn’t enough.  I recommend you have at least a million dollar underinsured motorist policy. 


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