How much money can I get for my medical bills if the other driver was at fault in an accident in South Dakota?

I was rear-ended in an accident in South Dakota. Since that time, I've undergone MRIs and have five bulging discs in my back. This might cost tens of thousands of dollars or more in surgery and physical therapy. The other driver's insurance company offered $25,000, but this isn't nearly enough.

Answer
“Since the insurer only offered $25,000, it sounds like the other driver only had the state-minimum level of liability insurance. If that’s the case, then $25,000 is all that the other driver’s insurance company is required to offer.
However, South Dakota also requires drivers to carry uninsured/underinsured motorist coverage, with a bodily injury liability limit of $25,000 per person. Assuming you have underinsured motorist coverage, your medical expenses should be picked up by your own insurance where the at-fault driver’s liability car insurance leaves off.
If you’re uninsured, then you’ll have to pay your remaining medical bills yourself or sue the other driver to get more money.”
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Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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