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VictimsGuide.com · Montana State Law Library

Montana Auto Insurance & Crash Law

Twenty-three citizen guides explaining Montana automobile insurance, insurer duties, crash liability, evidence, damages, settlement and the controlling Montana case authority behind those rules.

23 of 23 guides published Current-law review: Sept. 12, 2026 Statutes · Cases · Regulations

Start with the question you need answered

Montana Overview Understand the complete Montana insurance and crash-law system. Find Every Policy Identify driver, owner, employer, umbrella and first-party insurance. UM/UIM Determine what uninsured or underinsured protection may apply. Investigate the Crash Preserve scene, vehicle, electronic, human and institutional evidence.
Montana is the first completed state library using the standardized 23-guide Western States framework. The same topics will be used in Wyoming, California and the remaining states, while the controlling law remains state-specific.

The 23-guide Montana library

State Overview

GUIDE 01 Montana Auto Insurance & Crash Law

The state overview and entry point to the complete Montana system.

Coverage Foundations

GUIDE 02 Required Auto Insurance & Minimum Limits GUIDE 03 Finding Every Insurance Policy GUIDE 04 Who Is an Insured? GUIDE 05 Uninsured & Underinsured Motorist Coverage GUIDE 06 Stacking & Multiple Insurance Policies GUIDE 07 Policy Interpretation, Exclusions & Coverage Disputes

Insurer & Insurance-Professional Duties

GUIDE 08 Coverage Disclosure & Insurer Duties GUIDE 09 Claims Handling & Bad Faith GUIDE 10 Insurance Agents & Failure to Procure GUIDE 11 Duty to Defend GUIDE 12 Third-Party Failure to Settle

Vehicle & Use Context

GUIDE 13 Borrowed & Rental Vehicles GUIDE 14 Work & Commercial Vehicles GUIDE 15 Rideshare Insurance GUIDE 16 Government Vehicle Crashes

Crash Liability & Loss

GUIDE 17 Comparative Fault GUIDE 18 Crash Investigation GUIDE 19 Crash Damages GUIDE 20 Wrongful Death

Resolution & Research

GUIDE 21 MedPay & Subrogation GUIDE 22 Settlement & Release GUIDE 23 Montana Case Authority Library

Montana source hierarchy

Statutes

Montana Code Annotated provisions governing motor vehicles, insurance, damages, tort liability and civil procedure.

Cases

Montana Supreme Court decisions supply the controlling appellate interpretation of Montana law.

Regulatory Sources

Montana insurance regulatory materials and other official state sources are used where they bear on the issue.

← Western States Law Library Begin Guide 01: Montana Overview →

Enter through Montana. Research the issue. Return to primary law.

Each citizen guide translates the Montana rule into a practical workflow, then identifies the statutes and cases that control the legal analysis.

Public legal education only. Current Montana statutes and official court opinions control. These guides are educational research tools and are not individualized legal advice.