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SOUTH DAKOTA GUIDE 13

South Dakota Borrowed, Non-Owned & Rental Vehicles

Coverage can change when the involved vehicle is borrowed, non-owned, newly acquired or rented. Owner policies, driver policies and rental protections may overlap or apply in different layers.

  • Identify vehicle ownership and permission.
  • Obtain owner, driver and rental agreements and policies.
  • Review non-owned-auto, temporary-substitute and newly-acquired-auto provisions.
  • Determine primary and excess relationships among applicable policies.

Publication review note — September 17, 2026. Verify current rental, liability and policy-priority rules before publication.