Uninsured motorist coverage is for when the at-fault driver has no liability insurance. In other words, it is when the driver of the other car doesnt have any insurance to pay for the damages he or she caused. Many people in South Dakota have $100,000 in uninsured 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 uninsured motorist policy.

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

 

A: “Uninsured motorist” coverage is for when the at-fault driver has no liability insurance.  In other words, it is when the driver of the other car doesn’t have any insurance to pay for the damages he or she caused.  Many people in South Dakota have $100,000 in uninsured 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 uninsured motorist policy. 


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