Choice of Law Admission of Extrinsic Evidence Insurer Allocation Pre-Tender FeesStatute of Limitations
Lex loci contractusFacts available to the insurer If one claim is potentially covered, must defend entire suitNot recoverable6 years
Great West Cas. Co. v. Hovaldt, 603 N.W.2d 198, 201 (S.D. 1999)Biegler v. American Family Mut. Ins. Co., 621 N.W.2d 592, 599 (S.D. 2001)Hawkeye Security Ins. Co. v. Clifford, 366 N.W.2d 489, 491 (S.D. 1985)Fort Pierre v. United Fire & Cas. Co., 463 N.W.2d 845, 852 (S.D. 1990)(S.D. Codified Laws § 15-2-13)
Pre-Judgment Interest Late Notice Public Policy Bar Independent CounselAtty's Fees/Decl. Relief Action
9%Notice-prejudiceBar to indemnity and defenseMay choose own counselRecoverable if insurer’s refusal is vexatious or unreasonable
(S.D. Codified Laws § 54-3-16)Fort Pierre v. United Fire & Cas. Co., 463 N.W.2d 845, 851-52 (S.D. 1990)St. Paul Fire & Marine Ins. Co. v. Engelmann, 639 N.W.2d 192, 203 (S.D. 2002)State Farm Mut. Auto. Ins. Co. v. Armstrong Extinguisher Serv., Inc, 791 F. Supp. 799, 802 (D.S.D. 1992)S.D. Codified Laws § 58-12-3
Biegler v. American Fam. Mut. Ins. Co, 621 N.W.2d 592, 608 (S.D. 2001)