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A Blog About The Law In And Around Rapid City

What Are Uninsured and Underinsured Motorist Coverage, and Why Are They Important?

If asked about the insurance policy on their car, pickup, or motorcycle, most drivers would be able to discuss their liability coverage, and many could tell you the amount of liability coverage that they have. Many drivers, however, are less familiar with two other types of coverage found in most policies - uninsured motorist coverage and underinsured motorist coverage.

Liability coverage protects you in the event that you cause an accident, such as by paying to repair the other party's vehicle, paying for the other party's medical expenses if he/she is injured, paying for an attorney to defend you if you are sued, etc. Uninsured motorist coverage and underinsured motorist coverage also protect you, but in a different way.

Secrets to a successful business partnership

The success of any business can be boiled down to relationships. Partnerships are challenging endeavors that can make or break a company. Many of today's most successful companies were founded by mutually determined entrepreneurial leaders who cultivated great success through patience and commitment.

The key to a successful business partnership is finding the right partner(s), i.e., person(s). In a business climate where 50% of small businesses fail by the fifth year, a strong relationship with your business partner(s) is vital for long-term success. So, how can South Dakota business owners proactively develop dynamic and effective business partnerships?

Sturgis: Sharing the road with hundreds of thousands of bikers

As a biker, you probably wait all year for August to come around so that you can get to Sturgis. Whether you have a new bike or fresh ink to show off, you likely look forward to rolling into town for a party unlike no other.

Most of the motorcyclists at the Rally come from other states for the experience - whether it be the satisfaction of the journey, meeting hundreds of other bikers, checking out other bikes, sightseeing, attending concerts, playing poker or having a few drinks. While your goal is to have a good time during your visit to South Dakota, you should also focus on doing so safely, so you can return next year. 

What is a subpoena, and what should you do if you are served with one?

During a lawsuit, a party is entitled to request information and documents from the other party. That process is referred to as "discovery." A party can send written questions to be answered by the other party (called "interrogatories"), send written requests for documents from the other party and/or to inspect things (e.g., property) (called "requests for production"), and send written requests asking the other party to admit certain matters relevant to the case (called "requests for admission").

Crashes with tractor-trailers often result in severe injuries

In late January, a woman died after a tractor-trailer crossed the center line of Interstate 90 in Rapid City and collided with her SUV. The Associated Press did not include many additional details in its news article about the crash, but noted that the truck driver may be charged in relation to the incident.

Unfortunately, deaths and serious injuries are common results of crashes between tractor-trailers and passenger vehicles. Over 4,400 large trucks and buses were involved in fatal crashes in 2016, and the occupants of passenger vehicles account for eight out of every 10 people killed in crashes involving large trucks, according to the Federal Motor Carrier Safety Administration (FMCSA).

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