Opinion ID: 2219458
Heading Depth: 2
Heading Rank: 3

Heading: exclusions from policy coverage

Text: The trial court held that SDCL 58-11-9.3 authorizes the exclusion of named persons or classes of persons from coverage by an insurance policy, but that the policy still must provide the minimum amount of insurance required by SDCL 32-35-70. [5] However, after that decision by the trial court, this Court held that SDCL 58-11-9.3 authorizes complete exclusion from coverage for a named person and that no minimum amount of coverage is required for excluded persons. National Farmers v. Universal, 534 N.W.2d 63 (S.D.1995). [6] Although we find that the expressed reason for the trial court's decision is not correct, we believe that it reached the correct result.