Montana Car Insurance Requirements and Coverage Options
Montana, like many other states, has minimum insurance requirements for drivers. These requirements ensure that car accident victims have funds available to cover the effects of a car accident, including property damage and personal injury. Beyond minimum requirements, there are additional coverage options available for Montana drivers.
Montana’s Minimum Car Insurance Requirements
Under Montana law, all vehicle owners must have a minimum amount of available insurance coverage. If you cause an accident, this coverage will protect you from paying out-of-pocket damages. The minimum requirements under Montana law are as follows:
- $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person
- $50,000 because of bodily injury to or death of two or more persons in any one accident
- $20,000 because of injury to or destruction of property of others in any one accident
These figures represent the minimum amount of insurance required in Montana. Drivers can opt for more comprehensive policies with higher limits for more protection.
Penalties for Driving Without Car Insurance in Montana
Driving without insurance in Montana is a misdemeanor offense resulting in various penalties. First-time offenders can expect a $250-$500 fine or up to 10 days in jail. For a second offense within five years, they can expect higher fines and a 90-day license suspension. The penalties worsen for subsequent infractions, including jail sentences of up to six months. The sentencing court may also order the driver to surrender their driver’s license, vehicle registration, and license plates. The long-term consequences of uninsured driving can include higher insurance premiums, an arrest record, and difficulty finding motor vehicle insurance coverage in the future.
Proof of Insurance
In Montana, drivers are required by law to carry proof of insurance while operating a vehicle. This is to ensure that, in the event of an accident, financial responsibility can be met to cover damages or injuries.
Acceptable Forms of Proof of Insurance:
- Physical Insurance Card: The most common form of proof, this card is issued by your insurance company when you purchase a policy.
- Digital Insurance Card: Montana allows drivers to present proof of insurance digitally via a smartphone or other electronic device. Many insurance companies offer digital cards that you can save to your phone for easy access.
- Electronic Proof: If you’re stopped by law enforcement, you may show proof through an electronic image of your insurance card or a policy number via an insurance app.
It is essential to always carry proof of insurance when driving in Montana, not only to comply with state law but also to avoid costly penalties and potential legal issues. Regularly check to ensure that your insurance information is up-to-date and accessible to avoid these consequences.
Car Insurance Coverage Options for Montanans
While Montana only legally requires minimum liability coverage, other types of insurance are available for drivers looking to increase their protection from car-accident-related risks. Other types of insurance coverage available for Montana motorists include:
- Comprehensive Coverage: Comprehensive coverage protects your vehicle from all types of risks, not just those associated with collisions. Examples include protection from theft and weather-related property damage.
- Uninsured Motorist Coverage: This type of coverage pays for your medical expenses and property damage if you are involved in an accident with an uninsured or underinsured driver.
- Med Pay Insurance: Med Pay coverage is no-fault insurance that pays for the policyholder’s medical expenses and passenger injuries in the policyholder’s vehicle.
- Roadside Assistance Coverage: This type of coverage relieves damages such as faulty batteries, flat tires, and other damages that can leave you stranded on the roadside.
Why Consider Higher Limits or Additional Coverage?
While Montana’s minimum requirements may meet legal standards, they may not be sufficient to cover the costs of a serious accident. For instance:
- Medical expenses from injuries can easily exceed the minimum limits.
- Property damage to modern vehicles often surpasses $20,000, leaving you financially vulnerable.
- Uninsured drivers can create additional risks if you don’t have UM/UIM coverage.
Opting for higher liability limits and additional coverage options can provide peace of mind and financial security.
Contact Our Bozeman Car Accident Attorneys Today
Navigating the aftermath of a car accident can be complicated, especially if you or the other driver don’t have car insurance. Even if all drivers are insured, ascertaining blame and reaching a fair settlement for all parties involved may be difficult. At Beck, Amsden & Stalpes, our Bozeman car accident lawyers have over 150 years of collective legal experience. We’ve built a strong reputation in Montana for our ability to help all types of motor vehicle accident victims. We use our expertise to help our clients get their rightfully deserved compensation. Contact us today for a no-cost consultation.