MT

Montana Insurance Regulations

Consumer rights and insurance laws in Montana

Overview

Montana Commissioner of Securities and Insurance regulates the insurance industry and provides consumer resources. Montana uses modified comparative fault and has a standard 3-year statute of limitations.

Key Insurance Regulations in Montana

  • Modified comparative fault — barred at 51% or more fault
  • 3-year statute of limitations for personal injury; 2 years for vehicle property damage (Mont. Code Ann. § 27-2-207)
  • Mandatory auto insurance: 25/50/20 minimum liability

Filing an Insurance Complaint in Montana

If you believe your insurance company has acted unfairly or violated Montana insurance laws, you can file a complaint with the Montana Commissioner of Securities and Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Montana Commissioner of Securities and Insurance typically responds to complaints within 30 days.

Montana Commissioner of Securities and Insurance

Insurance Commissioner: Troy Downing

Phone: (406) 444-2040

Website: https://csimt.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Montana

Generally yes, as part of a property-damage claim against the at-fault driver, though the Montana Supreme Court has not squarely ruled on it. You have only two years to sue for injury to personal property (Mont. Code Ann. § 27-2-207), and under Montana's modified comparative fault rule (Mont. Code Ann. § 27-1-702) you recover only if your fault was not greater than the other side's.

Read the Montana diminished value guide

Insurance Claim Guides for Montana

Browse our detailed insurance claim guides tailored specifically to Montana laws and regulations.

Auto Insurance Claims in MontanaHome Insurance Claims in MontanaHealth Insurance Appeals in MontanaInsurance Denial Letter Templates in MontanaDemand Letter Guide in MontanaInsurance Settlement Calculator Guide in MontanaDiminished Value Claims in MontanaTotal Loss Dispute Guide in MontanaBad Faith Insurance Claims in MontanaUnderinsured Motorist Claims in MontanaUninsured Motorist Claims in MontanaRental Car Insurance Coverage in MontanaGAP Insurance Claims in MontanaInsurance Subrogation Explained in MontanaPIP (Personal Injury Protection) Guide in MontanaBodily Injury Claims in MontanaProperty Damage Claims in MontanaLiability Claim Process in MontanaComprehensive Insurance Claims in MontanaCollision Insurance Claims in MontanaFlood Insurance Claims in MontanaFire Insurance Claims in MontanaTheft Insurance Claims in MontanaVandalism Insurance Claims in MontanaAuto Glass Insurance Claims in MontanaHail Damage Insurance Claims in MontanaWind Damage Insurance Claims in MontanaWater Damage Insurance Claims in MontanaMold Insurance Claims in MontanaRoof Damage Insurance Claims in MontanaFoundation Damage Claims in MontanaSinkhole Insurance Claims in MontanaEarthquake Insurance Guide in MontanaHurricane Insurance Claims in MontanaTornado Damage Insurance Claims in MontanaLightning Damage Insurance Claims in MontanaTree Damage Insurance Claims in MontanaFence Damage Insurance Claims in MontanaAppliance Breakdown Claims in MontanaIdentity Theft Insurance Claims in MontanaCyber Insurance Claims in MontanaPet Insurance Claims in MontanaTravel Insurance Claims in MontanaLife Insurance Disputes in MontanaDisability Insurance Claims in MontanaWorkers' Compensation Claims in MontanaLong-Term Care Insurance Claims in MontanaDental Insurance Appeals in MontanaVision Insurance Claims in MontanaPrescription Drug Appeals in MontanaAccident Scene Documentation in MontanaInsurance Adjuster Tactics in MontanaDiminished Value Calculator Guide in MontanaTotal Loss Vehicle Valuation in MontanaCCC Valuation Report Explained in MontanaPain and Suffering Calculation in MontanaMedical Bills in Auto Claims in MontanaLost Wages Insurance Claims in MontanaFiling a Bad Faith Insurance Lawsuit in MontanaWhen to Hire a Car Accident Lawyer in MontanaInsurance Claim Timeline Guide in MontanaIndependent Vehicle Appraisal Guide in MontanaAppraisal Clause in Auto Insurance in MontanaDiminished Value by State in MontanaTotal Loss Threshold by State in MontanaRental Car After an Accident in MontanaYour Rights During Car Repairs in MontanaOEM Parts in Insurance Claims in MontanaInsurance Negotiation Tactics in MontanaDemand Package for Auto Claims in MontanaCommon Insurance Claim Denial Reasons in MontanaStatute of Limitations for Auto Claims in MontanaFiling Claims in No-Fault States in MontanaAt-Fault Accident Claims in MontanaComparative Negligence in Claims in MontanaUninsured Motorist Property Damage in MontanaHit and Run Insurance Claims in MontanaParking Lot Accident Claims in MontanaRideshare Accident Insurance Claims in MontanaCommercial Vehicle Accident Claims in MontanaDeer Collision Insurance Claims in MontanaFlood Car Damage Claims in MontanaCatalytic Converter Theft Claims in MontanaCar Break-In Insurance Claims in MontanaTire Blowout Accident Claims in MontanaPothole Damage Insurance Claims in MontanaHail Damage Car Claims in MontanaHow to Review Your Auto Insurance Policy in MontanaAuto Insurance Coverage Gaps in MontanaMulti-Vehicle Accident Claims in MontanaDisputing Fault Determination in MontanaFiling an Insurance Commissioner Complaint in MontanaNegotiating Diminished Value Claims in MontanaFighting a Total Loss Declaration in MontanaBodily Injury Settlement Guide in MontanaInsurance Fraud Prevention Guide in MontanaSubstandard Auto Repair Claims in MontanaTotal Loss Buy-Back Process in MontanaInsurance Claims After a DUI in MontanaCommercial Auto Insurance Claims in MontanaStorage Unit Insurance Claims in Montana

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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