32-35-70. Conditions of owner's policy--Coverage and amount--Filing and form requirements--Date of compliance.
An owner's policy of liability insurance referred to in §32-35-68 shall insure the person named therein and any other person as insured, using any insured vehicle or vehicles with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the vehicle or vehicles within the United States of America or the Dominion of Canada, subject to limits exclusive of interests and costs, with respect to each insured vehicle, as follows: twenty-five thousand dollars because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars because of injury to or destruction of property of others in any one accident. If the policy complies with the filing and form requirements of Title 58 and has been approved by the Division of Insurance, the driver and owner has complied with this chapter. The policy may exclude liability coverage if the policyholder certifies in writing that the vehicle will not be operated during the policy period. The policy may exclude or limit coverage pursuant to §58-11-9.3, or for a relative residing in the named insured's household. Policies issued after January 1, 1987, and owners who have purchased such policies are in compliance with this chapter. Date of compliance does not affect any pending litigation.
Source: SL 1957, ch 212, §51; SDC Supp 1960, §44.03A51 (2) (b); SL 1970, ch 186; SL 1985, ch 266, §3; SL 1989, ch 279, §1; SL 1992, ch 232; SL 1992, ch 233, §1.
Structure South Dakota Codified Laws
Chapter 35 - Financial Responsibility Of Vehicle Owners And Operators
Section 32-35-1 - Definition of terms.
Section 32-35-2 - Proof of financial responsibility for the future defined.
Section 32-35-43.1 - Renewal of privileges only upon proof of financial responsibility for future.
Section 32-35-45 - Suspension not required--Furnishing proof of financial responsibility for future.
Section 32-35-46 - Suspension not required--Government vehicles.
Section 32-35-47 - Duration of suspension--Future proof of financial responsibility.
Section 32-35-47.1 - Fee for reinstatement of suspended license.
Section 32-35-50 - Failure to pay judgment--Forwarding copy of judgment to department.
Section 32-35-51 - Nonresident judgment debtor--Copy forwarded to state of residence.
Section 32-35-52 - Suspension of license for failure to pay judgment.
Section 32-35-53 - Suspension not required for government vehicles.
Section 32-35-54 - Consent of judgment creditor to nonsuspension--Default in payment of judgment.
Section 32-35-55 - Suspension not required when insurer is liable--Failure of insurer to pay.
Section 32-35-56 - Judicial determination that insurer is not liable.
Section 32-35-59 - Amount sufficient to satisfy judgment--Judgment deemed satisfied.
Section 32-35-60 - Payment of judgment in installments--Order permitting installments.
Section 32-35-62 - Failure to pay installments--Suspension of licenses.
Section 32-35-63 - Vehicles unregisterable absent proof of financial responsibility.
Section 32-35-64 - Methods for furnishing proof of financial responsibility.
Section 32-35-65 - Certificate by insurance carrier as proof--Contents of certificate.
Section 32-35-67 - Default by nonresident insurer.
Section 32-35-68 - Motor vehicle liability policy defined.
Section 32-35-69 - Conditions of owner's policy--Description of vehicles.
Section 32-35-71 - Conditions of operator's policy--Nonowned vehicles--Limits of liability.
Section 32-35-72 - Contents of policies.
Section 32-35-73 - Workers' compensation coverage unnecessary.
Section 32-35-74 - Policies subject to particular provisions of law.
Section 32-35-75 - Excess or additional coverage not affected.
Section 32-35-76 - Permissive provisions in policy--Indemnification clause.
Section 32-35-77 - Permissive provisions--Other insurance prorated.
Section 32-35-78 - Permissive provisions--Concurrent insurance.
Section 32-35-79 - Binder as fulfilling requirements.
Section 32-35-81 - Other automobile policies unaffected.
Section 32-35-82 - Employers' policies unaffected.
Section 32-35-84 - Bond as lien on surety's property--Extent of lien--Recording of notice.
Section 32-35-85 - Recordation procedure--Fee for recordation--Disposition of fee.
Section 32-35-86 - Suit on bond of defaulting debtor--Foreclosure of lien--Procedure.
Section 32-35-90 - Proof of financial responsibility by self-insurer--Certificate of self-insurance.
Section 32-35-92 - Cancellation of certificate of self-insurance--Grounds--Failure to pay judgment.
Section 32-35-93 - Substitution of forms of proof of financial responsibility.
Section 32-35-96 - Conditions under which waiver or return of proof not permitted.
Section 32-35-97 - Reapplication for license after return of proof--Conditions.
Section 32-35-98 - Duty of departments to administer provisions of chapter--Rules.
Section 32-35-99 - Persons aggrieved by orders of departments--Consideration of information.
Section 32-35-100 - Forms necessary for purposes of chapter.
Section 32-35-101.1 - Department to provide driving records of policyholders to insurance companies.
Section 32-35-102 - Departments orders subject to contested case provisions.
Section 32-35-103 - Inadmissibility of reports--Admissibility of testimony of investigating officer.
Section 32-35-104 - Surrender of license or registration.
Section 32-35-105 - Insurance required by other statutes unaffected.
Section 32-35-107 - Other processes of law unaffected by chapter.
Section 32-35-108 - Construction of chapter.
Section 32-35-109 - Giving forged or unauthorized proof as misdemeanor.
Section 32-35-110 - Driving after suspension of license or registration as misdemeanor.
Section 32-35-113 - Maintenance of financial responsibility--Violation as misdemeanor.
Section 32-35-114 - Evidence of financial responsibility when detained for a suspected violation.
Section 32-35-115 - What constitutes evidence of financial responsibility.
Section 32-35-119 - Written evidence of insurance--Electronic copy as written evidence.
Section 32-35-120 - Giving of false evidence of financial responsibility as misdemeanor.
Section 32-35-121 - Suspension of license as penalty for violation of 32-35-113 or 32-35-120.