ARSD 20:06:13:46. Coverage replaced within the same company

An insurer issuing new insurance replacing insurance with the same insurer shall allow the insured 30 days to reinstate the replaced coverage without evidence of insurability if the new insurance is not accepted by the insurer or the insured. The 30-day period shall begin on the date the replaced coverage lapses or the date the insurer refuses to insure, whichever is more beneficial to the insured.