Factors That Can Impact a Personal Injury Claim in South Dakota

If you’ve been injured due to someone else’s negligence, you may assume your personal injury claim is straightforward. In reality, many factors can influence whether your claim succeeds, how long it takes, and how much compensation you ultimately receive. Understanding these factors is critical to protecting your rights and avoiding costly mistakes.

At Northern Plains Justice, we help injury victims across South Dakota navigate the legal process with clarity and confidence. Below are the most important factors that can impact a personal injury claim in South Dakota.

Liability and Fault Determination

SD is NOT a modified comparative negligence state.  We a traditional state (and I think the last one) that follows the rule that a plaintiff can be denied recovery if their negligence, in comparison to that of the defendant(s) is “more than slight”.  “Slight” is not defined as a percentage, but left to the jury.

Insurance companies often try to shift blame onto the injured person to reduce or deny claims. Evidence such as police reports, witness statements, photographs, and expert analysis plays a major role in determining fault.

The Severity and Type of Your Injuries

The nature and extent of your injuries directly affect the value of your claim. More severe injuries generally result in higher compensation due to increased medical costs, long-term care needs, and life impact.

Factors insurers and courts evaluate include:

• Whether the injury is temporary or permanent

• The level of medical treatment required

• The need for future medical care or surgery

• Permanent impairment or disability

• Impact on daily activities and quality of life

Soft tissue injuries may still be valid claims, but catastrophic injuries such as traumatic brain injuries or spinal damage typically carry significantly higher value.

Medical Treatment and Documentation

Consistent and timely medical care is critical. Gaps in treatment or failure to follow medical advice can seriously damage a claim.

Insurance companies often argue:

• The injury wasn’t serious

• The injury was pre-existing

• The injured person made the condition worse

Medical records, diagnostic imaging, treatment timelines, and physician opinions form the backbone of a strong personal injury claim. Delaying care or stopping treatment early can weaken your case.

Available Insurance Coverage

No matter how serious your injuries are, recovery is often limited by available insurance coverage. This includes:

• The at-fault party’s liability insurance limits

• Underinsured or uninsured motorist coverage

• Commercial or umbrella policies in truck or business cases

In some cases, damages exceed policy limits. An attorney evaluates whether additional parties or policies may be available to pursue full compensation.

Timing and the Statute of Limitations

South Dakota law generally allows three years from the date of injury to file a personal injury lawsuit. Missing this deadline usually results in losing your right to compensation entirely.

Waiting too long can also cause other problems:

• Evidence may be lost or destroyed

• Witnesses may forget details

• Surveillance footage may be erased

Early legal involvement helps preserve evidence and protect your claim.

Statements to Insurance Companies

What you say after an accident matters. Insurance adjusters are trained to ask questions designed to minimize claims.

Common mistakes include:

• Giving recorded statements without legal advice

• Downplaying injuries

• Apologizing or admitting partial fault

• Accepting early settlement offers

Even seemingly harmless comments can be used against you later. Having an attorney handle communication with insurers is often critical.

Pre-Existing Conditions

Having a pre-existing condition does not bar you from recovering compensation. However, insurers frequently use prior injuries or medical history to dispute claims.

South Dakota law allows recovery if an accident aggravated or worsened an existing condition. Medical documentation and expert testimony are key to proving this connection.

Economic and Non-Economic Damages

Personal injury compensation typically includes two categories of damages:

Economic Damages

• Medical expenses

• Lost wages

• Future earning capacity

• Out-of-pocket costs

Non-Economic Damages

• Pain and suffering

• Emotional distress

• Loss of enjoyment of life

• Permanent disfigurement or disability

How well these damages are documented and presented can significantly affect the final outcome.

Willingness to Litigate

Insurance companies track which law firms are willing to take cases to court. Claims backed by trial-ready preparation often receive stronger settlement offers.

If an insurer believes a case will never be litigated, they have little incentive to offer fair compensation. Preparing every case as if it will go to trial increases leverage during negotiations.

How Northern Plains Justice Protects Injury Claims

At Northern Plains Justice, personal injury claims are approached strategically and deliberately. Each case is evaluated based on:

• Liability strength

• Injury severity

• Insurance coverage

• Long-term financial impact

• Litigation risk

The goal is not quick settlements—it is smart outcomes that protect your future.

Personal Injury FAQ’s

At Northern Plains Justice, personal injury claims are approached strategically and deliberately. Each case is evaluated based on:

• Liability strength

• Injury severity

• Insurance coverage

• Long-term financial impact

• Litigation risk

The goal is not quick settlements—it is smart outcomes that protect your future.