Montana Car Insurance
Montana law requires drivers to carry auto liability insurance. At a minimum, Montana drivers need to have liability insurance of $25,000 per person, $50,000 per accident for bodily injury damages and $10,000 minimum coverage for property damage. This amount of coverage may be more simply stated as 25/50/10. By law, insurance companies are required to offer Montana drivers Uninsured/Underinsured Motorist ("UIM") coverage but drivers may reject this coverage by signing a waiver form.
Know When Your Auto Insurance Policy Lapses
It is important that Montana drivers know when their auto insurance policy expires to avoid a coverage lapse. Without auto insurance, Montana drivers can be fined and forced to comply with financial responsibility laws and have to purchase expensive SR–22 Insurance. Also in Montana, an uninsured driver can be personally held responsible for all damage caused in an accident. Serious accidents can involve hundreds of thousands of dollars in damages.
Driving without car insurance in Montana is fiscally irresponsible and could lead to financial ruin. Smart Montana drivers carry auto insurance. Montana drivers would be well advised to purchase additional liability coverage beyond the minimum limits. There are also many available optional important types of coverage including UIM, Personal Injury Protection ("PIP"), Comprehensive, and Collision.
UIM Coverage
While it can be declined in writing, UIM is an important form of coverage to have on your auto insurance policy. UIM pays for damages when another driver at fault for an accident does not have insurance or does not have enough insurance. This can be very useful in a serious accident or an accident involving an uninsured at fault driver.
For example, if a Montana driver in an accident had 25/50/10 UIM coverage, they would be able make a UIM claim with their auto insurance company and be able to receive up to $25,000 for bodily injury damages and $10,000 for property damage, in the event that at fault driver was uninsured or did not have enough insurance.
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Drivers in Montana have dozens of insurance companies to choose from including national insurers such as Allstate, Geico, Liberty Mutual, and Progressive. Whether you live in Billings, Missoula, Great Falls, or Bozeman use BestCarInsuranceCompanies.net to get low cost Montana car insurance. Just enter your zip code above to get started and you could be on your way to saving hundreds of dollars a year on your auto insurance.