<html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><meta http-equiv='content-language' content='en-us'/><title>SDLRC - Codified Law 58-11-45 - Cancellation and nonrenewal of automobile policy or coverage--Definition of terms. </title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s2074567Normal { text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s2074567SENU { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074567CL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } p.s2074567Normal-000000 { text-indent: 0.50in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-left: 0; margin-right: 0; margin-bottom: .001pt; } span.s2074567DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } p.s2074567Normal-000001 { margin-left: 0.70in; text-indent: -0.45in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-right: 0; margin-bottom: .001pt; } p.s2074567Normal-000002 { margin-left: 1.14in; text-indent: -0.44in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-top: 0; margin-right: 0; margin-bottom: .001pt; } span.s2074567DefaultParagraphFont-000003 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074567000004 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074567SCL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074567SCL-000005 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s2074567Normal"><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-45"><span class="s2074567SENU">58-11-45</span></a><span xml:space="preserve" class="s2074567SENU">. </span><span class="s2074567CL">Cancellation and nonrenewal of automobile policy or coverage--Definition of terms.</span></p><p dir="ltr" class="s2074567Normal-000000"><span xml:space="preserve" class="s2074567DefaultParagraphFont">Terms used in §§ </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-46"><span class="s2074567DefaultParagraphFont">58-11-46</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont"> to </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-54"><span class="s2074567DefaultParagraphFont">58-11-54</span></a><span class="s2074567DefaultParagraphFont">, inclusive, mean:</span></p><p dir="ltr" class="s2074567Normal-000001"><span class="s2074567DefaultParagraphFont">(1)    "Automobile collision coverage," includes all coverage of loss or damage to an automobile insured under the policy resulting from collision or upset;</span></p><p dir="ltr" class="s2074567Normal-000001"><span class="s2074567DefaultParagraphFont">(2)    "Automobile liability coverage," includes only coverage of bodily injury and property damage liability, medical payments, and uninsured motorists' coverage;</span></p><p dir="ltr" class="s2074567Normal-000001"><span class="s2074567DefaultParagraphFont">(3)    "Automobile physical damage coverage," includes all coverage of loss or damage to an automobile insured under the policy except loss or damage resulting from collision or upset;</span></p><p dir="ltr" class="s2074567Normal-000001"><span class="s2074567DefaultParagraphFont">(4)    "Nonpayment of premium," failure of the named insured to discharge when due any of the insured's obligations in connection with the payment of premiums on a policy, or any installment of the premium, whether the premium is payable directly to the insurer or its insurance producer or indirectly under any premium finance plan or extension of credit;</span></p><p dir="ltr" class="s2074567Normal-000001"><span class="s2074567DefaultParagraphFont">(5)    "Policy," an automobile liability, automobile physical damage, or automobile collision policy, or any combination thereof, delivered or issued for delivery in this state, insuring a single individual or husband and wife resident of the same household, as named insured, and under which the insured vehicles therein designated are of the following types only:</span></p><p dir="ltr" class="s2074567Normal-000002"><span class="s2074567DefaultParagraphFont">(a)    A motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others; or</span></p><p dir="ltr" class="s2074567Normal-000002"><span class="s2074567DefaultParagraphFont">(b)    Any other four</span><span class="s2074567DefaultParagraphFont-000003">-</span><span class="s2074567DefaultParagraphFont">wheel motor vehicle with a load capacity of fifteen hundred pounds or less which is not used in the occupation, profession, or business of the insured;</span></p><p dir="ltr" class="s2074567Normal-000002"><span xml:space="preserve" class="s2074567DefaultParagraphFont">However, §§ </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-46"><span class="s2074567DefaultParagraphFont">58-11-46</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont"> to </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-54"><span class="s2074567DefaultParagraphFont">58-11-54</span></a><span class="s2074567DefaultParagraphFont">, inclusive, do not apply (i) to any policy issued under an automobile assigned risk plan, or (ii) to any policy insuring more than four automobiles, or (iii) to any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards;</span></p><p dir="ltr" class="s2074567Normal-000001"><span xml:space="preserve" class="s2074567DefaultParagraphFont">(6)    "Renewal" or "to renew," the issuance and delivery by an insurer of a policy replacing at the end of the policy period a policy previously issued and delivered by the same insurer, or the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term. However, any policy with a policy period or term of less than six months shall for the purpose of §§ </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-46"><span class="s2074567DefaultParagraphFont">58-11-46</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont"> to </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-54"><span class="s2074567DefaultParagraphFont">58-11-54</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont">, inclusive, be considered as if written for a policy period or term of six months. Moreover, any policy written for a term longer than one year or any policy with no fixed expiration date, shall for the purpose of §§ </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-46"><span class="s2074567DefaultParagraphFont">58-11-46</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont"> to </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-54"><span class="s2074567DefaultParagraphFont">58-11-54</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont">, inclusive, be considered as if written for successive policy periods or terms of one year, and such policy may be terminated at the expiration of any annual period upon giving sixty days' notice of cancellation prior to such anniversary date, and the cancellation is not subject to any other provisions of §§ </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-46"><span class="s2074567DefaultParagraphFont">58-11-46</span></a><span xml:space="preserve" class="s2074567DefaultParagraphFont"> to </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-54"><span class="s2074567DefaultParagraphFont">58-11-54</span></a><span class="s2074567DefaultParagraphFont">, inclusive.</span></p><p dir="ltr" class="s2074567Normal"><span xml:space="preserve" class="s2074567000004"> </span></p><p dir="ltr" class="s2074567Normal"><span class="s2074567SCL">Source:</span><span xml:space="preserve" class="s2074567SCL-000005"> SL 1968, ch 138, § 1; SL 1974, ch 311, § 1; SL 2001, ch 286, § 103.</span></p></div></body></html><br /><hr><br /><html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><meta http-equiv='content-language' content='en-us'/><title>SDLRC - Codified Law 58-11-45 - Cancellation and nonrenewal of automobile policy or coverage--Definition of terms. </title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s2074568Normal { margin-top: 0; margin-bottom: 0; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-left: 0; margin-right: 0; } span.s2074568SENU { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074568CL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } p.s2074568Normal-000000 { margin-top: 0; margin-bottom: 0; text-indent: 0.50in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-left: 0; margin-right: 0; } span.s2074568DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074568000001 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074568SCL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074568SCL-000002 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s2074568Normal"><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-45.1"><span class="s2074568SENU">58-11-45.1</span></a><span xml:space="preserve" class="s2074568SENU">. </span><span class="s2074568CL">Reporting agencies and persons listed with director.</span></p><p dir="ltr" class="s2074568Normal-000000"><span xml:space="preserve" class="s2074568DefaultParagraphFont">The director of the Division of Insurance may require companies issuing policies to which §§ </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-45"><span class="s2074568DefaultParagraphFont">58-11-45</span></a><span xml:space="preserve" class="s2074568DefaultParagraphFont"> to </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-54"><span class="s2074568DefaultParagraphFont">58-11-54</span></a><span xml:space="preserve" class="s2074568DefaultParagraphFont">, inclusive, are applicable to file with him the names and addresses of reporting agencies or persons of the nature described in § </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-45.3"><span class="s2074568DefaultParagraphFont">58-11-45.3</span></a><span xml:space="preserve" class="s2074568DefaultParagraphFont"> and the geographical areas for which these reporting agencies or persons provide such service.</span></p><p dir="ltr" class="s2074568Normal"><span xml:space="preserve" class="s2074568000001"> </span></p><p dir="ltr" class="s2074568Normal"><span class="s2074568SCL">Source:</span><span xml:space="preserve" class="s2074568SCL-000002"> SL 1970, ch 270, § 1.</span></p></div></body></html><br /><hr><br /><html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><meta http-equiv='content-language' content='en-us'/><title>SDLRC - Codified Law 58-11-45 - Cancellation and nonrenewal of automobile policy or coverage--Definition of terms. </title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s2074569Normal { margin-top: 0; margin-bottom: 0; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-left: 0; margin-right: 0; } span.s2074569SENU { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074569CL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } p.s2074569Normal-000000 { margin-top: 0; margin-bottom: 0; text-indent: 0.50in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-left: 0; margin-right: 0; } span.s2074569DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074569000001 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074569SCL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074569SCL-000002 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } </style></head><body><div><p dir="ltr" class="s2074569Normal"><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-45.2"><span class="s2074569SENU">58-11-45.2</span></a><span xml:space="preserve" class="s2074569SENU">. </span><span class="s2074569CL">Applicant for liability insurance not to be prejudiced by false reports.</span></p><p dir="ltr" class="s2074569Normal-000000"><span xml:space="preserve" class="s2074569DefaultParagraphFont">No applicant for insurance seeking a policy for coverage of a motor vehicle as that term is defined in subdivision 58-11-45(5) shall be disadvantaged in his attempt to secure proof of financial responsibility required by chapter </span><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=32-35"><span class="s2074569DefaultParagraphFont">32-35</span></a><span xml:space="preserve" class="s2074569DefaultParagraphFont"> by reason of any false, mistaken, or malicious report given to an insurer and by it considered in connection with his application.</span></p><p dir="ltr" class="s2074569Normal"><span xml:space="preserve" class="s2074569000001"> </span></p><p dir="ltr" class="s2074569Normal"><span class="s2074569SCL">Source:</span><span xml:space="preserve" class="s2074569SCL-000002"> SL 1970, ch 270, § 1.</span></p></div></body></html><br /><hr><br /><html xmlns="http://www.w3.org/1999/xhtml"><head><meta charset="UTF-8" /><meta http-equiv='content-language' content='en-us'/><title>SDLRC - Codified Law 58-11-45 - Cancellation and nonrenewal of automobile policy or coverage--Definition of terms. </title><meta name="Generator" content="PowerTools for Open XML" /><style>span { white-space: pre-wrap; } p.s2074570Normal { margin-top: 0; margin-bottom: 0; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-left: 0; margin-right: 0; } span.s2074570SENU { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074570CL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } p.s2074570Normal-000000 { margin-top: 0; margin-bottom: 0; text-indent: 0.50in; text-align: justify; font-family: 'Times New Roman', 'serif'; font-size: 12pt; line-height: 108%; margin-left: 0; margin-right: 0; } span.s2074570DefaultParagraphFont { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074570000001 { font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } span.s2074570SCL { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: bold; margin: 0; padding: 0; } span.s2074570SCL-000002 { font-family: 'Times New Roman', 'serif'; font-size: 12pt; font-style: normal; font-weight: normal; margin: 0; padding: 0; } body { text-decoration-skip-ink: none; } </style></head><body><div><p dir="ltr" class="s2074570Normal"><a href="https://sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?Type=Statute&amp;Statute=58-11-45.3"><span class="s2074570SENU">58-11-45.3</span></a><span xml:space="preserve" class="s2074570SENU">. </span><span class="s2074570CL">Informant to be identified if insurance refused--Violation as misdemeanor.</span></p><p dir="ltr" class="s2074570Normal-000000"><span class="s2074570DefaultParagraphFont">If an applicant for such insurance has made a full disclosure to the insurance producer of the insurer in response to the insurance producer's inquiry and the application is tendered with premium, the insurer, if it fails or refuses to issue the policy based upon information other than the insurance producer's recommendation, shall notify the insurance producer and the applicant of the name and location of the person or agency upon which such insurer relied as a basis for its failure or refusal to insure. Any violation of this section is a Class 2 misdemeanor.</span></p><p dir="ltr" class="s2074570Normal"><span xml:space="preserve" class="s2074570000001"> </span></p><p dir="ltr" class="s2074570Normal"><span class="s2074570SCL">Source:</span><span xml:space="preserve" class="s2074570SCL-000002"> SL 1970, ch 270, § 1; SL 1978, ch 359, § 2; SL 2001, ch 286, § 104.</span></p></div></body></html>