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Montana Auto Insurance Law
If you drive a car in Montana, you are required to buy auto insurance. Like all states, Montana has legislation mandating the degree of maximum liability coverage you will need to maintain. Oftentimes, you might find these insurance requirements posted as 3 cash amounts, something like $25,000/$50,000/$10,000.
The first two amounts are the bare minimum protections for personal injuries liability. The initial one is for a lone person in any accident, the other for all parties together. The final amount relates to maximum liability for property damage.
Montana: No Fault Insurance State?
Montana is not a no-fault insurance state. Under no fault auto insurance laws, a policy must pay the medical expenses of you and your vehicle’s occupants, even if you are not at fault in the crash. No fault states have these laws and regulations established in order to minimize insurance fraud.
Uninsured Motorist Laws in Montana
In Montana, you are not required to carry uninsured motorist insurance. Uninsured motorist insurance, generally known as UM/UIM coverage, provides protection in the event that the insured is involved in a crash in which the other party is to blame, but not insured. Lots of insurance brokers highly recommend that you get uninsured motorist protection, no matter whether it’s required where you live or not. Why? Because nearly 3 out of every 20 US drivers are thought to be uninsured.