Driving in Montana Requires Liability Insurance
Minimum liability requirements in Montana
If you wish to register and operate a motor vehicle in Montana, you are required to carry at least the minimum insurance coverage determined by the state. Those requirements are:
These are the maximums the insurance company will pay out in the event you are at fault in an accident and people are hurt and/or their vehicles are damaged. Property damage also covers other items like landscaping, mailboxes, and fences.
Penalties for not meeting insurance requirements
Montana’s penalties for not having the minimum insurance if you are in an accident can be quite serious, and they increase with every offense:
Consider Increasing Your Coverage for Better Protection
More liability coverage
Fortunately, auto insurance to meet Montana’s liability requirements can be obtained from Compass Insurance Group. We encourage our clients in Hamilton to increase their coverage, however, as it protects them better.
This starts with more liability protection, which makes sense when you think about it. Many vehicles now cost more than $20,000. If you are at fault when totaling someone’s vehicle that costs twice that, your insurance will pay $20,000, but you will be responsible for the rest.
Extra liability coverage may also be a smart move if you have young or new drivers in the household.
Comprehensive and collision coverage
We also encourage most of our Hamilton auto insurance clients to take out what is known as “full coverage.” This means getting comprehensive and collision insurance. Collision insurance covers your vehicle if it’s damaged in an accident where you are at fault or if you’re in a crash with an uninsured motorist. Comprehensive insurance covers theft, vandalism, and loss or damage due to storms, natural disasters, and fire.
Like liability insurance, full coverage may be required if you are financing your vehicle. Most dealers won’t let you drive off the lot without adequate protection for your vehicle.
Other insurance benefits
Depending on the policy you purchase, your auto insurance can offer other additional benefits:
Reach Out for an Auto Insurance Policy Tailored to You
Independent agents with personalized service
When you want an auto insurance policy tailored to your needs, Compass Insurance Group should be at the top of your list. Our independent agents have a better selection of insurance products available than you’ll find with big names, and you will appreciate the personalized service that’s hard to find these days.
Don’t risk driving without the insurance you need. Call us at 406-493-5726 today, or reach out online for a fast quote.