SOUTH DAKOTA AUTHORITY LIBRARY
South Dakota Auto Insurance & Crash Law Case Authority Library
This issue-organized authority index collects primary South Dakota statutes and leading Supreme Court decisions for automobile insurance and crash-law research.
Core South Dakota Statutes
- SDCL 32-35-2 — 25/50/25 financial-responsibility limits.
- SDCL 58-11-9 through 58-11-9.9 — UM/UIM coverage and anti-stacking rules.
- SDCL 20-9-2 — South Dakota’s slight/gross comparative-negligence rule.
Leading South Dakota Decisions
- Earll v. Farmers Mutual Insurance Co. of Nebraska, 2025 S.D. 20 — UIM owned-but-not-insured exclusion and public policy.
- Kern v. Progressive Northern Insurance Co., 2016 S.D. 52 — UIM benefits and bad-faith claim handling.
- Phen v. Progressive Northern Insurance Co., 2003 S.D. 133 — UM coverage and bad-faith standards.
South Dakota’s comparative-negligence doctrine is unusual and should not be reduced to a simple percentage rule. Check current statutes, later cases and the actual policy language for each claim.
Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.
VictimsGuide 