South Dakota Accidents

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Search results for “insurance denial”

20 results

In Sioux Falls, one medic heard about a $90,000 crosswalk claim - so why is his offer $7,500?

You can have the walk signal, visible injuries, and still get stonewalled if the insurer says a policy exclusion knocks out coverage.

ARTICLE by Pete Baumgartner

Scared your status will come up after a Brookings crash? The uninsured employer mess is worse

A Brookings delivery driver hit from behind can end up fighting three separate money battles at once: fault for the crash, no workers' comp coverage, and health insurance reimbursement.

ARTICLE by Pete Baumgartner

My neck and shoulder keep locking up after a car backed out in Aberdeen and now their insurer is digging through my Facebook

A plumber new to South Dakota got hit by a car backing into the travel lane from diagonal parking and now the insurer is trying to turn Facebook posts into "proof" he isn't hurt.

ARTICLE by Pete Baumgartner

I'm about ready to drop this Pierre crash claim because nobody will answer me

A Pierre lawyer gets T-boned on the way to court, the stop sign issue muddies fault, and months of insurer silence starts looking like the real strategy.

ARTICLE by Wayne Hustead

Months of silence from the insurer? That's usually a tactic, not a mystery

A wrong-way crash on a Rapid City off-ramp can wreck your schedule and your finances fast, and insurer silence is often part of the game.

ARTICLE by Tom Red Cloud

my leg got crushed by a horse and now they want me to sign before i know if i can work

A Rapid City ranch hand is getting pushed to settle fast after a livestock injury, while the real cost of the injury is still unfolding.

ARTICLE by Wayne Hustead

A year later, the wrong-way crash near Aberdeen still wrecks your back and that tiny policy won't touch the bills

A military spouse in Aberdeen is stuck dealing with a wrong-way on-ramp crash, ongoing injuries, and a liability policy that is nowhere close to enough.

ARTICLE by Tom Red Cloud

Preexisting Back Conditions and South Dakota Injury Claims

If a truck crash made your back worse, the insurer does not get to erase that injury just because your spine already had wear-and-tear on paper.

ARTICLE by Pete Baumgartner

DoorDashing in Watertown, I hit a pothole, wrecked a borrowed car, and now they're telling me not to file

A Watertown DoorDash driver using someone else's car gets hurt after a pothole crash, and the ugly part is figuring out the city claim, the car insurance, DoorDash coverage, and whether anyone is lying about workers comp.

ARTICLE by Tom Red Cloud

Almost two years later, they're still trying to dump this Watertown crash on you

A driver crossed the center line to pass, hit you head-on, and now the insurer is using South Dakota fault rules to carve up your claim before time runs out.

ARTICLE by Brenda Schoenfeld

Can I get my own doctor after the insurance doctor in Aberdeen?

Yes - and in Minnesota this can play out very differently because no-fault rules change who pays first. In South Dakota, the big myth is that the insurance doctor gets the...

Why is insurance stalking my Facebook after my Watertown motorcycle crash?

The one thing the insurer is hoping you never find out is that they look for social media posts to cut your claim value, not to figure out what is fair. Yes, that is a real...

arising out of employment

You just got a letter that says your injury did not "arise out of employment," so your workers' compensation claim is denied. That phrase means there must be a real connection...

Insurance wants me to settle today after Watertown crash do I take it?

What the insurance company does not want you to know is this: the fastest offer is usually aimed at buying your claim before you know how hurt you are, how much work you will...

What the insurance company does not want you to know is that a settlement demand can sometimes set up a later bad faith claim if the insurer refuses to protect its own...

Fault Disputes After a Center-Line Crash

In South Dakota, crossing the center line looks terrible, but fault is not automatic if wind, road edge drop-off, ice, another driver, or bad road conditions helped cause the crash.

ARTICLE by Sandra Fischer

going and coming rule

An employee usually is not covered by workers' compensation for injuries that happen while traveling to or from the regular workplace, because that commute is generally treated...

My coworker said my old back injury kills my Watertown crash claim. True?

South Dakota's injury-claim clock is three years, and that shorter deadline has made insurers even quicker to lean on old MRIs and old chart notes. No - a pre-existing back...

Can my Watertown boss pin my work motorcycle crash on me?

The expensive mistake is assuming your boss gets to decide fault. They do not. If you were riding for work in Watertown and a driver failed to yield, ran a red light, or turned...

I only told my supervisor after a Sioux Falls crash. Did I ruin workers comp?

Probably not - a missed written notice does not automatically kill a South Dakota workers' comp claim. That is the part many employers hope you never learn. South Dakota has a...