Montana Auto Insurance
Montana auto insurance is necessary for registering your vehicle in Montana except for motorcycles. As Montana is not a true no-fault state, there are no restrictions on number of lawsuits. Montana auto insurance helps you meet all accidental expenses in case of any untoward happening.
What coverage do auto insurance company offer?
Montana auto insurance companies offer mandatory coverage of bodily injury liability and property damage liability. You receive minimum coverage of $25,000 for bodily injuries to single person per accident, $50,000 for all injuries in an accident and $10,000 for damages to property. Additionally, auto insurance companies need to offer uninsured or underinsured motorist coverage. Although not mandatory, it is prudent to accept this coverage. Other optional coverage includes collision, comprehensive, and medical payments.
Do I need proof of insurance?
Yes, you need to carry proof of your Montana auto insurance always in your vehicle. You need to notify relevant authorities for renewal or cancellation of your auto insurance policy.
Is there any penalty for lack of insurance proof?
Yes, you face penalty for lack of sufficient proof of Montana auto insurance. Such penalty could be fine of $250 to $500, imprisonment for ten days and five points against your driving record. Repeated offense could lead to suspension of registration plates and licenses. Such suspension is automatic and remains in force for six years or until you submit proof of insurance to get back your license and registration plates.
Is there any alternative to auto insurance?
Yes, you can provide sufficient financial responsibility with Department of Revenue in place of Montana auto insurance. For owners of more than twenty-five vehicles, you need to show yourself as self-insurer.
Is auto insurance necessary for nonresidents?
Yes, nonresidents need to comply with all safety responsibilities of Montana auto insurance. Otherwise, they cannot drive in Montana . A certified copy of their irresponsible driving record will reach their home state.
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