The bill amends South Dakota's motor vehicle liability insurance requirements by increasing the minimum coverage amounts. Specifically, it changes the required insurance limits for bodily injury and property damage. The new limits stipulate that an owner's policy must provide coverage of at least fifty thousand dollars for bodily injury or death of one person in an accident, and one hundred thousand dollars for bodily injury or death of two or more persons. Additionally, the policy must cover fifty thousand dollars for property damage in any one accident.

The bill also clarifies that the policy must insure the named individual and any other authorized users of the vehicle, and it specifies that the policyholder must comply with the filing and form requirements set by the Division of Insurance. Furthermore, it allows for certain exclusions in liability coverage if the policyholder certifies that the vehicle will not be operated during the policy period. The amendments aim to enhance the financial protection for individuals involved in motor vehicle accidents.

Statutes affected:
Introduced, 01/13/2026: 32-35-70