Confused about insurance rules in South Dakota—help me figure this out

Totally agree about digital apps glitching at the worst possible moment...been there myself. I actually do both now—keep the physical card in the glovebox and a screenshot on my phone, just in case. One quick tip: if you're going digital, make sure your phone's charged and unlocked before handing it over. Learned that the hard way when my battery died mid-conversation with an officer. Awkward doesn't even begin to describe it...

Good call on the screenshot backup, but heads-up—some states (including SD, last I checked) require the digital proof to be from an official app, not just a screenshot. Might wanna double-check that to avoid another awkward convo roadside...