South Dakota Injuries

FAQ Glossary Resources Team

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Search results for “insurance exclusions”

20 results

That broken fence behind a Rapid City rental can leave you chasing coverage

A Rapid City student bitten by a dog at a rental property may have a claim, but a policy exclusion can turn a straightforward case into a fight over which insurer, if any, has to pay.

ARTICLE by Derek Janis

commercial use exclusion

The bad surprise comes after a serious crash: the driver thought a personal auto policy would cover everything, then the insurer points to a clause denying coverage because the...

A Watertown rollover can wreck your neck and still turn into a blame ambush

A daycare worker with a cervical spine injury after a rollover can watch the payout get gutted fast if the insurer pins too much blame on her, and kids in the vehicle trigger a different set of rules.

ARTICLE by Karen Olson

The clinic says your elbow's fine, your doctor says it's wrecked, and Rapid City's insurer is using the gap against you

A delayed ER visit after a sidewalk fall in Rapid City does not automatically kill the claim, but it gives the insurer an opening to argue the shattered elbow came from something else.

ARTICLE by Janet Stensland

My coworker said my bad knee means no claim after a recalled tire blowout?

If the ER doctor said the crash aggravated your knee, the insurance company will use that same record to argue it was all old damage. From the insurer's side, this is the play:...

additional insured

You may see it in a contract, certificate of insurance, or claim letter saying someone was "named as an additional insured" under another person's policy. That usually means a...

indemnification clause

Wondering who has to pay if a deal goes bad and someone ends up owing money, facing a lawsuit, or covering a loss? An indemnification clause is a part of a contract that says...

non-disclosure agreement

Insurance companies and defense lawyers love these because silence is cheap. After a crash, workplace injury, or business dispute, they may offer money fast if the injured...

Can Aberdeen Walmart's insurer deny me because I'm undocumented after a shelf hit my head?

"Were you allowed to be there, and can you prove who you are?" That is the question the adjuster is about to ask, because your answer can shape whether they treat this as a...

Hospital filed a lien after your Watertown trauma claim? Yeah, it can swallow the payout

A Watertown commuter with severe anxiety after witnessing a fatal workplace accident may have a real injury claim, but a hospital lien can rip through the money fast.

ARTICLE by Karen Olson

TNC insurance gap

A TNC insurance gap is the period when a rideshare or delivery driver may not have full insurance coverage. Each part of that matters. "TNC" means a transportation network...

I kept working around concrete dust on the night shift - did I just wreck my claim in Watertown?

A Watertown night-shift security guard with silicosis may still have a claim even if they stayed on the job, there were no witnesses, and the contractor is denying the dust exposure.

ARTICLE by Brenda Schoenfeld

You went back to work. The infection was already spreading.

A Brookings janitor can still have a workers' comp claim for the original injury and the bad surgical aftermath, and the hospital mistake may be a separate case entirely.

ARTICLE by Janet Stensland

Preexisting Back Conditions in South Dakota Workers' Comp

A sore back on an old chart is not the same thing as a free pass for workers' comp to deny a new job injury that made it worse.

ARTICLE by Mary Crow Dog

My coworker said Uber won't cover me if a grain truck caused the Watertown crash?

No. If you were an Uber passenger when the crash happened, Uber coverage can still apply even if the grain truck or another vehicle caused it. South Dakota is an at-fault...

Mitchell parking lot fall, clean MRI, fake "independent" doctor - and you're about ready to quit

When a Mitchell slip-and-fall claim gets kneecapped by an IME doctor even though the MRI shows real injury, Medicare and medical liens can turn the whole thing into a financial trap.

ARTICLE by Karen Olson

What the insurance company does not want you to know is that PTSD is not the same thing as ordinary stress, and it is not the same diagnosis as acute stress disorder. Acute...

articles of incorporation

Insurance companies and defense lawyers sometimes bring this up to make a company sound separate, formal, and hard to reach. In an injury case, they may point to the paperwork...

breach of contract

Insurance companies and defense lawyers may throw around this phrase to make a dispute sound technical, limited, or too late to fix. They may argue that a broken promise is...

business dissolution

Money, unpaid wages, insurance coverage, and who can still be sued often turn on whether a company has been shut down properly or only stopped operating in practice. When a...