South Dakota Accidents

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Search results for “policy exclusion”

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

non-compete vs non-solicitation

These clauses can hit your paycheck fast: one may try to keep you from taking a new job at all, while the other usually targets who you can contact after you leave. If a...

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

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...

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

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

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

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 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

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

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

DMCA takedown notice

The part people get wrong most often is that a DMCA takedown notice is not a court order and does not prove who is right about ownership. It is a formal request sent under 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...

You'll usually see this in a work note from a doctor, an email from HR, or a call from the insurance adjuster saying you've been released to "light duty" with restrictions....

trade secret misappropriation

Miss this issue, and a business can lose its edge overnight while an employee, contractor, or competitor wrongly assumes "confidential" and "illegal to use" mean the same...

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

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...

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

return-to-work order

Miss this step after a job injury, and the damage can be immediate: wage-loss checks stop, the employer says work was available, and a claim that looked straightforward turns...

copyright fair use

Can you use part of someone else's copyrighted work without getting permission? Sometimes, yes. Copyright fair use is a rule in federal law that allows limited use of protected...