SOUTH DAKOTA GUIDE 15
South Dakota Rideshare & Transportation Network Coverage
Rideshare insurance can change according to app status. South Dakota’s TNC framework requires distinct liability coverage during app-on and prearranged-ride periods.
- Preserve app-status, trip and GPS records.
- Obtain the driver’s personal policy and the transportation-network policy.
- Review personal-policy exclusions and rideshare endorsements.
- Analyze liability, UM/UIM and contingent coverages by phase.
Publication review note — September 17, 2026. Verify current SDCL chapter 32-40 insurance requirements and policy language before publication.
VictimsGuide 