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How Does Car Insurance Work in Montana?

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Every state has its own rules and regulations when it comes to car insurance policies. Some states require things that other states do not. It’s always important to know what your particular state requires so that you always have the minimum requirements in case you get into a car accident.

Most insurance companies will tell you the legal requirements when you first sign up on their website and select which state you are wanting to get car insurance for. They might also suggest you get more coverage to better protect yourself.

Insurance Requirements in Montana

No matter what kind of license you have or what type of car you drive, you will need these minimum insurance requirements to drive your car legally in the state of Montana:

Bodily Injury – $25,000 per person and $50,000 per accident
Property Damage – $20,000 per accident
Uninsured/Underinsured Motorist – $25,000 per person and $50,000 per accident

The uninsured or underinsured motorist coverage can be rejected, though, if you prefer not to pay extra for that. However, if you’re a motorcyclist, you might want to consider getting this so that you know you’re covered in case of an accident with someone who doesn’t have their own insurance.

Every driver is required to carry liability insurance on their vehicle, no matter the age of the person or the age of the car. Most insurance companies will only offer policies that comply with the local laws; however, you should always compare the requirements listed above to make sure you are using a reliable and reputable company.

Registration Requirements

Like in any other state, you will also need to have certain requirements for registration so your car has the correct paperwork in case you are pulled over or need to show proof of records.

If you have just moved to Montana, you will need to change your driver’s license within 60 days of your new residence. You also need to show the following when you go to register the car and obtain insurance:

Proof of identity
Proof of Montana residency
Proof of authorized presence

Ways a Lawyer Can Help with Car Insurance Issues

If you think you have incorrect insurance and get into an accident, you might want to partner with a lawyer to help you through the court case and any other issues you might be having. Sometimes even when you have the correct coverage, dealing with car insurance claims and getting the payout you’re owed can be very hard.

If you are experiencing any issues when it comes to the car insurance company, a good lawyer in your corner can be a huge help.

In a Car Accident? Insurance Issues? Get Ahold of a Lawyer

Contact a lawyer today in Montana from Craig Swapp & Associates to help you with your accident aftermath and the car insurance claim process. Call our office today at 1-800-404-9000 or fill out the contact form below if you prefer not to chat over the phone.

Written By: Ryan Swapp Legal Review By: Craig Swapp

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Client Reviews

“I was concerned with all the paperwork”

Before calling your firm I had 2 big worries. One was I didn’t want to do more paper work, and that fear was resolved when I had to do very little, but Craig Swapp and Assoc. did most of it, and when I did have to come in to sign papers they worked around the times I could do it. Worry 2 was I didn’t want people to think I was “sue happy” and that I was just out to get money. I just wanted my bills to be paid for that were from the accident, and that was resolved I think by Mr. Wes Mortenson and Theresa because they listened to what I had to say.

Amber W.,

Spokane, WA

"I would hire them in a second"

My biggest fear was not having all the expenses caused by the accident paid for in full. I was assured they would be taken care of but I admit I was skeptical. When we wrapped everything up (which happened quicker than I was originally told) I had extra money in my pocket. I honestly thought there was a catch but my attorney explained everything to me in detail. If I am ever in that position again I’ll be giving Craig Swapp a call.

Robert N.,

Spokane, WA

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I was afraid of the fees I would have to pay a lawyer. I waited over a year before hiring your law firm. I finally reached out to your online help where they were able to help me understand the process and what would happen. In all honesty I absolutely loved working with the individuals that were involved in my case. They were genuine & heartfelt about my case. It felt as though they really cared and were concerned about me, not just as a client but as a person.

Lacey B.,

Salt Lake City, UT

"I was afraid that my issue was too small"

I was afraid that my issue was too small to be handled, and that it would just be rejected. Or that I’d end up having to pay for my medical expenses and any of your teams expenses. I would definitely answer yes, it was resolved! I wasn’t ever made out to feel like my little issue didn’t matter, and my expenses were paid for- just what I wanted/needed.

J. Rohas,

Caldwell, ID

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My biggest fear was that it would be pointless to pursue legal action in my case. I felt like maybe I didn’t have much of a case. After speaking with Paul, I realize it was not of my own fault and that others can be held responsible for the pain and suffering I went through.

Dollie J.,

West Jordan, UT

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