Department of Labor and Regulation

Title - Division of Insurance email the Division of Insurance

Automobile Insurance — Not Filing a Claim

There is nothing which requires you to file a claim or report of possible loss to your insurance company, but there are ramifications for you not doing so.

If the other party sought legal action against you and you did not cooperate by notifying your company or cooperating in their defense of a claim, you could be found liable without any liability coverage from your insurance company. In other words, you could end up paying it out of pocket. Furthermore, whether you notify your company or not, if they do any type of a check on your driving record, your rates could be raised regardless.


Division of Insurance
124 S. Euclid Ave., 2nd Floor
Pierre, SD 57501
Tel. 605.773.3563
Fax. 605.773.5369