{"id":140,"date":"2010-04-06T21:13:18","date_gmt":"2010-04-07T05:13:18","guid":{"rendered":"http:\/\/www.carinsurancelist.com\/blog\/?p=140"},"modified":"2010-04-06T21:13:18","modified_gmt":"2010-04-07T05:13:18","slug":"south-dakota-insurance-division-warns-insurers-of-pedestrian-coverage-compliance","status":"publish","type":"post","link":"https:\/\/www.carinsurancelist.com\/blog\/2010\/04\/south-dakota-insurance-division-warns-insurers-of-pedestrian-coverage-compliance\/","title":{"rendered":"South Dakota Insurance Division Warns Insurers of Pedestrian Coverage Compliance"},"content":{"rendered":"<p>Today&#8217;s post is probably only of interest to people <a href=\"http:\/\/www.carinsurancelist.com\/states-south-dakota.htm\">looking for insurance rates in South Dakota<\/a>, but for people who live in the state of &#8220;great faces and great places,&#8221; it&#8217;s important information, especially if they ever walk anywhere &#8211; even if it&#8217;s just across a parking lot. <\/p>\n<p>According to a report in <a href=\"http:\/\/www.insurancejournal.com\">the Insurance Journal<\/a>, Merle Scheiber, Director of the state&#8217;s Division of Insurance, has issued a warning to property &#038; casualty insurance companies that their auto insurance policy forms that &#8220;restrict the types of motor vehicles for which coverage may apply when an insured is stuck as a pedestrian are invalid.&#8221; <\/p>\n<p>Specifically, the Division said, SDCL 58-213-8 provides explicit coverage, &#8220;&#8230;through being struck by a motor vehicle while a pedestrian.&#8221;  As well, the term &#8220;motor vehicle&#8221; is defined pretty broadly by state law (SDCL 32-35-1) as &#8220;every vehicle which is self-propelled and every vehicle which is propelled by electric power obtained from overhead trolley wires, but not operated upon rails.&#8221; Because of that, any restriction of the type of vehicle that differs from that definition is impermissible, again, according to the Division of Insurance.  <\/p>\n<p>Scheiber&#8217;s warning also included the reminder that claims have to be adjudicated in such a fashion as to comply with those statutes, and must comply with a state medical payments statute no matter when the accident happened, but insurance companies are not required to review claims that occurred more than five years before March 25, 2010. <\/p>\n<p>In addition, Scheiber also warned that insurance companies with policy language that is not in compliance with the law must create and file a policy form that is in compliance. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today&#8217;s post is probably only of interest to people looking for insurance rates in South Dakota, but for people who live in the state of &#8220;great faces and great places,&#8221;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[101,394],"class_list":["post-140","post","type-post","status-publish","format-standard","hentry","category-south-dakota-insurance","tag-pedestrian-accidents","tag-south-dakota-insurance","cat-100-id"],"_links":{"self":[{"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/posts\/140","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/comments?post=140"}],"version-history":[{"count":1,"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/posts\/140\/revisions"}],"predecessor-version":[{"id":141,"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/posts\/140\/revisions\/141"}],"wp:attachment":[{"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/media?parent=140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/categories?post=140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.carinsurancelist.com\/blog\/wp-json\/wp\/v2\/tags?post=140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}