The clash after the crash: South Dakota teacher with brain injury sues school district over insurance claim

SIOUX FALLS, S.D. (KELO) — Have you ever read the fine print in your health insurance policy? You may be surprised by some of the terms, especially if you get seriously hurt and expect an insurance settlement. A South Dakota motorcyclist found that out the hard way.

D.J. Toczek is a teacher and coach who was hit on a Wyoming Interstate in 2017 by a man who was high, drunk and running from the law.