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• MT Auto Insurance

Montana Auto Insurance

Compare Montana Auto Insurance

When it comes to car insurance, every state has its own laws governing the minimum liability insurance required. Some states follow a tort system, while others follow a no-fault or hybrid auto liability system. It’s important to know Montana’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about Montana’s auto insurance laws and compare Montana auto insurance company quotes here, your one-stop-shop for all things related to Montana car insurance.

Montana auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

How does liability coverage protect me?

Liability insurance covers you against damages you cause to others if you are at fault in an accident. However, note that liability insurance ONLY protects you against damages you cause to others and NOT your own damages.

Does Montana require uninsured motorist coverage?

No. Licensed insurers in Montana are required to offer uninsured motorist coverage (UIM), but consumers are not required to purchase this type of coverage. An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses.

A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

PIP (Personal Injury Protection) insurance is not required in Montana.

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Click for more information about Montana auto insurance quotes. or learn more about factors that determine your Montana car insurance rate.