It is illegal to drive without car insurance in Montana. The state of Montana requires its drivers to carry appropriate amounts of automobile insurance, in order to legally operate a motor vehicle in Montana. The State of Montana applies car insurance as a form of financial responsibility. insurancemozo.com understand the value of important information necessary to find the Best Montana Car Insurance for you.
What are the minimum Montana Car Insurance Requirements?
The statutory minimum limits of liability insurance in Montana are25/50/10 and that mean:
$25,000 liability coverage per person for injury
$50,000 liability coverage per accident for injury
$10,000 for property damage liability (damage to buildings, traffic signs or other party vehicles)
Montana currently requires an SR-22 filing to reinstate a driver’s license. SR-22 is a document that is required to be filed with a state’s DMV as proof that the minimum liability coverage for the state is being carried.
Is Montana a tort State?
Yes, Montana is a tort State. This means that if a driver is found to be at fault in an accident s/he may have to pay the charges for other driver’s medical expenses as well for any damage to his/her vehicle. Second party can also claim money for lost wages and his/her sufferings.
Is UM/UIM protection required in Montana?
Some, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage may protect the driver when an accident occurs and the other party does not have auto insurance.
The State of Montana currently does not require UM/UIM coverage. However it is always advisable to have this insurance cover because if you are hit by an uninsured driver even if he is at fault you may have to pay the bill if you are not covered by these coverage plans.
What kind of car insurance discounts is available in Montana?
To find the most affordable car insurance in Montana, various kind of car insurance discounts are available and among them few are mentioned here like Vehicle safety discount, Student away at school discount, Accident free discount, Safe driver discount etc. which may be available in Montana as these discounts may vary from state to state and from provider to provider.
Should I buy PIP (Personal injury protection)?
PIP stands for personal injury protection which means that car insurance available in some U.S. states that covers medical expenses, funeral expenses, rehabilitation, lost wages and other damage of those injured in an accident, regardless of who is at fault. Passengers who own their own cars collect under their own policies. This type of car insurance coverage varies by state and depends upon policy provisions.
The State of Montana current does not require drivers to carry PIP insurance.
How do I get a best car Insurance Quote in Montana?
Your best option to find the best and cheap car insurance coverage in Montana is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE cheap auto insurance quotes.
Official websites links:
To find the best and cheap Montana Car Insurance, go through the given official website links:
Montana Department of Motor vehicles: https://doj.mt.gov/driving/
Montana Department of Insurance: www.sao.mt.gov
Montana Division of Insurance at:
840 Helena Ave.
Helena, MT 59601
Phone: (800) 332-6148
