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We have listed below several valuable sources of information
to help educate you in obtaining car insurance in
Montana. Included
are links to organizations with helpful guides on topics
such as purchasing auto insurance, filing claims and more.
Montana Car Insurance Laws
Montana auto insurance law sets the minimum liability requirements
for auto insurance at 25/50/10. These limits are $25,000 bodily
injury coverage for one person, $50,000 for coverage of bodily
injury for two or more people and $10,000 liability coverage.
Liability insurance covers you against damages you cause to
others if you are at fault in an accident. It does NOT protect
you against your own losses.
Also, it is mandatory for the companies to offer Uninsured
Motorist coverage, but you may reject this coverage. Consumers
may want to consider higher liability limits than the state
minimum because the minimums may not cover exposure to lawsuits.
If you own a newer car, your bank probably will require you
to buy Comprehensive and
Collision coverage. The state's minimum
requirements do not include those coverage. Montana
car insurance companies may offer other coverage you may wish to consider
that are not mandatory.
Scott Hart Building, Second Floor,
303 North Roberts, P.O. Box 201430
Helena, MT 59620-1430
Phone: (406) 444-1773
http://www.doj.state.mt.us/department/motorvehicledivision.asp
The Montana DMV provides a wide range
of services relating to driving in Montana. The division
licenses both
individual and commercial drivers; administers all driver
license records and actions, including court-ordered suspensions
and revocations; issues motor vehicle registrations and
titles;
licenses and controls motor vehicle dealers; inspects and
verifies vehicle identification numbers; and provides training
for county treasurers, vehicle dealers and financial institutions.
The MT DMV website provides basic information
and a brief overview of each of their services. Go online
to view
the
most current driver exam station locations and schedules.
The site also lists the locations and contact information
for each of the Bureaus in the Montana MVD including: the
Field Operations Bureau which conducts driver examinations
and issues identification cards; the Records and Driver Control
Bureau which maintains the driver records, suspends, revokes
or cancels driver licenses and provides probationary driver
licenses; and the Title and Registration Bureau issues
titles
and registers vehicles for Montana vehicle owners and lien
holders and provides an automated method to maintain vehicle
records. Make sure you contact the correct Bureau for your
Montana motor vehicle needs.
840 Helena Ave
Helena, MT 59601
Phone: 406-444-2040, Toll Free:1- 800-332-6148
http://sao.state.mt.us/
The Montana department of insurance is a great source
for consumer insurance and securities information. Consumers
in Montana
can go online to file an insurance complaint, file a suspected
fraud claim, find an insurance agent or agency and view rate
comparisons for home and auto insurance. Montana State
Auditor
posts answers to frequently asked insurance questions and
securities questions online. Seniors can also find a wealth
of information on fraud protection and insurance including:
Fraud Protection Tips, Avoiding Fraud in you Investments,
Online Investing Tips, Long Term Care Insurance and Medicare
Rate Comparison Guide.
Montana State law sets the minimum liability requirements
for auto insurance. You can read details of these limits on
the website. Liability insurance covers you against damages
you cause to others if you are at fault in an accident. It
does NOT protect you against your own losses. Read recommend
Uninsured Motorist coverage on the site and find contact phone
number to call if you have questions regarding any type of
insurance in Montana.
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