Auto Insurance Coverage Gaps in Montana

Montana Insurance Overview

Montana has a unique approach to auto insurance — while it does not technically mandate insurance before driving, the state does require proof of financial responsibility after an accident. Montana uses modified comparative fault with a 50% bar. The state requires uninsured motorist coverage for those who do carry policies.

Key Montana Laws

• Montana follows a modified comparative fault rule with a 50% bar (Mont. Code § 27-1-702).
• Montana is one of the few states that does not require auto insurance by statute, though financial responsibility is required after an accident.
• Uninsured motorist coverage is required and must be offered at liability limits.

How to File Auto Insurance Coverage Gaps in Montana

Identify dangerous gaps in your auto insurance coverage, common exclusions that catch drivers off guard, and how to close gaps before you need to file a claim.

In Montana, it's critical to understand the state's at-fault (tort) system and the 3-year personal injury statute of limitations when pursuing auto insurance coverage gaps. Missing these deadlines can result in a complete loss of your right to compensation.

1. Document everything immediately — Gather all evidence, photos, police reports, and medical records relevant to your auto insurance coverage gaps in Montana.
2. Report to your insurer promptly — Report to insurer promptly; 3 years for personal injury lawsuit. Delays can jeopardize your claim under MT law.
3. Know your Montana rights — Under Montana's at-fault (tort) system, your recovery may be affected by your percentage of fault.
4. Contact the Montana Commissioner of Securities and Insurance — If your insurer acts unfairly, file a complaint at https://csimt.gov or call (406) 444-2040.
5. Use InsurifyAI — Get AI-generated demand letters, settlement estimates, and claim coaching tailored to Montana law.