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Monthly Archives: November 2026

Seatbelt3

Can You Still Recover Compensation if You Were Not Wearing a Seatbelt?

By Hoy Law |

You were not buckled in when the crash happened, and now you are wondering whether that single fact just cost you your entire case. It is a fair question, and the honest answer is more nuanced than a simple yes or no. South Dakota law treats seatbelt non-use differently than a lot of people… Read More »

TruckTrailer

What Black Box Data Can Reveal After a Truck Accident

By Hoy Law |

A semi truck does not just carry cargo down the highway. It also carries a small, quiet witness to everything that happened in the moments before a crash. That witness is the truck’s black box, and what it records can end up telling a very different story than the one the trucking company hands… Read More »

PoliceAccidentReport

How Police Reports Impact Your Car Accident Claim in South Dakota

By Hoy Law |

An officer shows up, asks a few questions, hands you a card, and drives off. Does that report actually matter once your car accident claim gets underway? It does, more than most people realize, and South Dakota treats these reports a little differently than many other states do. What Actually Goes Into the Report… Read More »

Medical Exam

Why Insurance Companies Request an Independent Medical Examination and What to Expect

By Hoy Law |

A letter arrives asking you to see a doctor you have never heard of, chosen and paid for by the insurance company. Is this normal, and should you be worried about it? Independent medical examinations show up often enough in injury claims that understanding what they actually are, and are not, can keep the… Read More »