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All car owners in Montana are required by law to carry the following minimum levels of insurance: 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
Like most states, insurance follows the carnot the driverin Montana. This means that you buy insurance for a particular vehicle, not necessarily a particular driver. If your vehicle is insured and another driver borrows your car, they will be covered under your car insurance policy.
Car insurance usually follows the car in Montana. The types of car insurance that follow the car in Montana are bodily injury liability, personal injury liability, collision, and comprehensive. You're required to carry bodily injury liability and property damage liability in Montana.
No, Montana is not a no-fault state. Montana is an at-fault (or tort) state. That means the driver who causes an accident uses their insurance to pay for the other driver's bills from the collision. Police and insurance companies use the available evidence to decide who is at fault for the accident.
In short, the answer is no. Montana is actually a tort state also known as an at-fault state. In the United States, this is the most common form of liability law relating to fault and liability.
What does it mean to be a no-fault state? Car insurance laws can be defined as no-fault, choice no-fault, add-on or tort liability. In states with no-fault laws, each driver files a claim with their own insurance company following an accident, regardless of who is at fault.
Car insurance is expensive in Montana. The average car insurance rate in Montana is $1,615 per year 13.1% more than the US average. Your auto insurance premiums are impacted by more than just geography.