Montana Car Insurance

You need to have sufficient auto insurance coverage in Montana to protect you and your vehicle from damages due to accidents. Hence, you need adequate Montana Auto Insurance to meet all contingencies due to any accidents.

What are the different types of coverage under Montana Auto Insurance?

Different types of coverage under Montana Auto Insurance fall into two main categories-Mandatory and Optional.

Mandatory coverage includes Property Damage Liability Policy and Bodily Injury Liability Policy. Such liability policies cover costs of damages you cause to others because of your negligent driving. It does not however protect you against your own losses in the accident.

Optional Coverage includes Uninsured Motorist, Underinsured Motorist, Collision, and Comprehensive policies. Montana insurance law makes it mandatory for insurance companies to offer you Uninsured Motorist Coverage. You can however make it optional.

Uninsured or Underinsured motorist coverage protects you against damages due to accident caused by others fault and where other driver has low or no liability insurance coverage. In that case, you may have to take care of all expenses. Such coverage protects you from this eventuality.

What is the minimum coverage?

The minimum coverage of Montana Auto Insurance is $25,000 for bodily injury to a single person in an accident, $50,000 for all injuries in a single accident, and $10,000 for damages to property. Of course, you can purchase higher liabilities through higher premiums.

What is proof of my Auto Insurance?

Insurance card as provided by insurance companies is sufficient proof of your Montana Auto Insurance.

Do I have to carry proof of Insurance?

Yes, you need to carry your insurance card in your vehicle always. You need to inform Department of Motor Vehicles regarding cancellation or renewal of your auto insurance policy.

What happens if I do not have any Proof of Insurance?

If you do not have any insurance proof, you could face following penalties:-

Fine ranging from $250 to $500
Imprisonment for ten days
Alternatively, both penalties together

Further, if you have five points on your driving record, you need to pay higher insurance premiums. Sometimes if you commit same offense repeatedly, you could face suspension of your license plates for over ninety days.

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