After an accident, storm damage, or another unexpected event, you may find yourself filing an insurance claim. While the process should be straightforward, many South Dakota policyholders quickly learn that insurance companies often prioritize their bottom line over fair treatment. Negotiating a settlement can feel overwhelming, but understanding your rights and approaching the process strategically…
Getting into an accident or facing a loss is stressful enough without having to deal with insurance companies. However, in South Dakota, one of the first people you’ll likely hear from is the insurance adjuster. But who are they really, and how do they affect your claim? Knowing what to expect from an adjuster can…
If you’ve filed an insurance claim, especially after a car accident or property damage, you might be wondering: Can I switch insurance companies now, or do I have to wait until the claim is resolved? The short answer is yes. You can switch insurance companies while a claim is still open in South Dakota. However,…
You’ve done everything right. Filed your claim. Sent the documents. Cooperated fully. Then the insurance company responds with an offer that barely covers your losses. It feels like a slap in the face. Unfortunately, this happens more often than it should. If you’ve received a low settlement offer, don’t panic and don’t accept it right…
Few things are more stressful than receiving a denial letter from your health insurance company, especially when you’re counting on that coverage for medical care. If your health insurance claim has been denied in South Dakota, it’s important to remember that you have rights and options. Acting quickly and understanding the process can make all…
Most people expect their insurance to be a safety net—there when you need it most. However, after filing a claim, some policyholders are surprised to receive a notice stating that their coverage is being canceled or not renewed. Suddenly, the protection they paid for feels like it’s being pulled out from under them. So, can…
When you purchase insurance, you expect your provider to act in good faith—to honor the terms of your policy and handle claims honestly, fairly, and promptly. Unfortunately, this is not always the case. Sometimes, insurance companies engage in what’s known as “bad faith” behavior, which can leave policyholders feeling helpless, frustrated, and financially vulnerable. If…
When you purchase insurance, you’re not just buying a policy—you’re entering into a contract based on trust. You expect that if something goes wrong, your insurance company will uphold its end of the bargain and treat you fairly. Unfortunately, that does not always happen. When an insurer unreasonably denies or delays a valid claim, you…
After faithfully paying your premiums, receiving a denial from your insurance company can feel like a betrayal. Whether it’s health, homeowners, auto, life, or another form of coverage, insurance is meant to protect you during life’s most difficult moments. Unfortunately, insurance companies do not always uphold their end of the bargain, and in South Dakota,…
Submitting an insurance claim due to a car accident, personal injury, or property damage can be overwhelming, especially when facing a denial. Unfortunately, insurance companies in South Dakota do not always approve valid claims. In fact, it is not unusual for insurers to deny payment, often leaving policyholders feeling overwhelmed and uncertain about what to…
