South Dakota Car Insurance
Reader’s Question:
I would like to know if a motorist with a restricted minors permit required to have their own car insurance or are they covered under their parents insurance policy until they receive their unrestricted operators permit? While having an instructional permit they are covered by the parents insurance policy so I would to know if this is the same once they get their restricted minors permit.
Allan
Sioux Falls, SD
For car insurance, the South Dakota law state by the SD Division of Insurance states that any individual who licenses and/or operates a motor vehicle must show proof of financial responsibility (FR). Financial Responsibility is typically shown through acquiring a car insurance policy having at least the state’s minimum requirements.
Your parent’s insurance provider needs to be notified of your licensing status. The insurance company will then tell your parents if you will need to be added to the insurance policy as a motorist or if you are covered as the insurance policy currently stands.
You can normally be added to their South Dakota car insurance policy and do not need to have your own separate insurance policy. If you get your own car, then at that point you would need to find out if it could be added to your parent’s policy or if you would need to get your own policy