SDCL § 62-5-20: Insurer to pay entire loss--Employer to reimburse deductible amount.

If an insured employer chooses a deductible, the insured employer is liable for the amount of the deductible paid for each claim of injury suffered by an employee. The insurer shall pay the entire cost of the employee's loss and then seek reimbursement from the insured employer for the amount of the deductible.