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Automobile liability insurance is mandatory in the State of South Dakota. According to South Dakota law any owner of a vehicle must have a policy of insurance which covers bodily injury in the amount of $25,000 per person / $50,000 per accident. Today the minimum amount of liability insurance of $25,000 is often grossly insufficient to cover the medical bills…
In a previous blog posting, I wrote about reporting a work injury to the employer. In this blog, I want to discuss what happens in a worker’s compensation claim immediately after the injured worker reports the injury to the employer. In South Dakota, the employer is obligated to send the First Report of Injury to the South Dakota Department of Labor,…
All too often, injured workers come to me after a work injury and tell me that their employer sent them to the “company’s doctor.” At first, the employer appears to be doing the injured worker a big favor by sending them to a doctor. But, if the worker’s injury doesn’t get better within a short amount of time that initial doctor selection…
If my insurance company pays for my medical bills after I have been injured, do I still have to pay back my insurance after I settle my bodily injury claim? Following your injury, your automobile insurance and/or your health insurance carrier may have paid medical bills on your behalf. And now you are in a position to settle with the…
Springtime in South Dakota begins the motorcycle riding season. Unfortunately, with the increase in riding comes accidents that injure riders and passengers. The South Dakota Department of Public Safety reported that motorcycles account for 7.6% of the motor vehicles registered in South Dakota yet represent 17.5% of the total deaths in accidents and 2.6% of accidents on South Dakota roadways. The…
Does the insurance company nurse have to go into your doctor’s appointment? Frequently, I’m asked whether the insurance company nurse always gets to go into the examination room when the injured employee is seeing that employee’s treating doctor. Upon reporting an injury and seeking medical care, the workers compensation company may assign a nurse to “help” with the injured workers…
Every State has a mandatory liability insurance law. These laws require all drivers on the roads have liability insurance covering for what is “bodily injury” in case of an accident. Don’t confuse liability insurance with full coverage insurance. Liability insurance and full coverage insurance are not the same. Liability coverage pays for bodily injury and property damage in case of…
After a work related injury, the injured worker’s bills start piling up. This can be a very stressful time. Recovering from a serious work related injury is difficult. It can become even more worrisome when the medical bills start piling up. Generally, the employer is responsible for maintaining worker’s compensation insurance. Part of the worker’s compensation insurance coverage is for the…
I am frequently asked about returning to work after a work injury. Usually, the worker has the misfortune of being injured seriously enough that the injured worker’s doctor orders the worker to cease all work activities while recuperating from the injury. This is typically in conjunction with surgery. There comes a point in the healing process where the injured worker’s…
So, you’ve just been injured in a motor vehicle accident that wasn’t your fault and medical bills are mounting. Does the other party’s automobile insurance have to pay your medical bills right away? The answer is actually no. At least not until you are able to get a settlement or a judgment against the other party making them legally liable to…
