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| This is a request for a quote of automobile insurance in the state of South Dakota. There is absolutely no obligation to purchase insurance by filling out this form. Also, no insurance coverage whatsoever can be bound by filling out this form. If coverage is later requested, an application for insurance will need to be signed and a down payment of premium made. Any rates given are subject to the companies final review and approval. Descriptions of coverages given below are only brief general statements about some of the coverages available. |
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Liability Coverage - Pays for other people's injuries and damage to their property if you or someone else cause an accident while driving your vehicle. It protects your assets in the event you are held liable for damages to others. In this example for Bodiliy Injury limits: $25,000 / $50,000 $25,000 is the bodily injury limit for each person, and $50,000 is the bodily injury limit for each accident. In this example for the Property Damage limit: $25,000 $25,000 is the property damage limit for each accident. |
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Medical Payments Coverage - Pays for medical expenses incurred by you or your passengers while occupying an insured vehicle.
In this example for the Medical Payments limit: $2,000 $2,000 is the medical payments limit for each person. |
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Uninsured and Underinsured Motorists Coverage - Pays bodily injury claims for you or your passengers if you are injured by a negligent uninsured motorist, hit-and-run vehicle, or a negligent driver without adequate insurance. |
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Other Than Collision (Comprehensive) Coverage - Pays for damage to your car caused by theft, fire, windstorm, hitting an animal, glass breakage and many other non-collision occurrences. |
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Collision Coverage - If your car collides with another vehicle or object, this coverage pays to repair your auto. |
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Deductible - The portion of the loss you must pay yourself before the insurance coverage pays. |
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Towing - This optional endorsement provides coverage for towing and labor costs performed at the place of disablement. |
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Transportation Expenses (Rental) - This coverage can only be added to vehicles with Other than Collision and Collision coverages. There must be damages from an insured loss for this coverage to apply. The limits shown above are: amount per day / maximum amount payable. |
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Special Equipment - Coverage can be added to an auto policy for either customized vehicles, or to vehicles that have had special items added to them. Customized vehicles may have special paintings, graphics, decals, furniture, carpeting, or facilities for cooking and sleeping. Coverage may also be added to an auto policy for: non-standard stereo equipment, discs or tapes, telephones, CB radios, pickup toppers, and similar items. |
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Death Benefits - Provides a $10,000 accidental death benefit resulting from bodily injury caused by an accident. |
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Disability Benefits - Provides limited disability benefits for bodily injury caused by an accident up to a maximum payment period of one year. |