Montana Auto Insurance & Crash Law · Citizen Guide
Montana Crash Investigation & Evidence Preservation
A crash investigation should answer more than who received a citation. It should reconstruct what happened, identify every person and vehicle, preserve physical and digital evidence, document the roadway and environment, locate independent witnesses, and create a record capable of testing each party's account under Montana's comparative-negligence law.
The goal is reconstruction—not collection for its own sake
A useful crash investigation preserves enough reliable information to reconstruct the movements, conditions, decisions and forces that produced the collision and resulting injuries.
No single source necessarily tells the complete story.
Drivers can remember events differently. Witnesses can disagree. A police diagram can be incomplete. Photographs can omit distance and context. Digital systems can preserve only a few seconds or days. Reconstruction therefore depends on comparing independent sources.
At the scene: life and safety come first
Montana's Uniform Accident Reporting Act imposes immediate duties after qualifying crashes.
Remain when Montana law requires it
MCA § 61-7-103 requires a driver who knows or reasonably should know that the driver was involved in a crash with another person or a deceased person to stop and remain as required by law.
Exchange information and render aid
MCA § 61-7-105 requires specified identifying information and reasonable assistance to an injured person, including arranging necessary medical transportation when appropriate.
Contact law enforcement at the statutory threshold
MCA § 61-7-108 requires immediate notice for a crash involving injury, death, striking a deceased person, or apparent property damage of $1,000 or more.
A written driver report can also be required
MCA § 61-7-109 generally requires the driver to submit a qualifying written report within 10 days unless law enforcement investigated and reported the crash under subsection (3).
Unattended vehicles and roadside property have separate duties
MCA § 61-7-106 addresses a collision with an unattended vehicle and requires the driver to locate and notify the owner or leave the specified written information.
MCA § 61-7-107 separately addresses damage to fixtures or other property legally upon or adjacent to the highway.
If it can be done safely, document the scene before it changes
Traffic begins moving. Vehicles are towed. Debris is removed. Snow falls. Ice melts. Tire marks fade. Lighting changes. Surveillance systems overwrite video.
Useful immediate documentation can include:
- wide photographs of the entire crash environment
- vehicles before movement when safe and lawful
- final resting positions
- vehicle damage from multiple angles
- license plates and identifying markings
- traffic signals and signs
- lane markings
- road curvature and grade
- intersection geometry
- driveways and access points
- sight obstructions
- debris fields
- fluid marks
- tire marks and gouges
- snow, ice, water or loose material
- weather conditions
- lighting conditions
- nearby businesses and homes
- visible cameras
- witness names and contact information
The law-enforcement investigation is important—but it is not the final civil investigation
An investigating officer may document:
- drivers
- passengers
- witnesses
- vehicles
- insurance
- road conditions
- damage
- measurements
- statements
- citations
- diagrams
- apparent sequence of events
That work can be highly valuable. Civil fault, however, is determined from admissible evidence and governing law—not merely from a checkbox, diagram, citation, or preliminary officer conclusion.
Montana makes an important distinction between driver reports and police reports
Driver's required written report
MCA § 61-7-109(1) generally requires a driver involved in a crash causing death, injury, or more than $1,000 in property damage to report the matter in writing within 10 days unless the crash was investigated and reported by law enforcement under subsection (3).
Subsection (2) authorizes the Department to require supplemental driver reports and witness reports.
Law-enforcement report
MCA § 61-7-109(3) separately requires an officer who investigates a qualifying crash in the regular course of duty to forward a written report to the Department within 10 days after completing the investigation.
Depositors v. Sandidge
In Depositors Insurance Co. v. Sandidge, 2022 MT 33, 407 Mont. 385, 504 P.3d 477, the Montana Supreme Court held that the vehicle crash report offered there to establish another driver's liability was inadmissible hearsay.
That ruling arose from the Montana Rules of Evidence and the manner in which the report was offered—not from a rule that every police observation, photograph, measurement or statement in a crash investigation is unusable.
Montana crash reports are confidential—but qualifying people have access
MCA § 61-7-114 generally makes required crash reports and supplemental information confidential rather than open to unrestricted public inspection.
The statute nevertheless permits examination and copying, without first obtaining a court order, of the law-enforcement report and supplemental information—including witness statements—by specified persons such as:
- a person named in the report
- a person involved in the crash
- a qualifying authorized representative
- that person's insurance carrier
- a party to a civil action arising from the crash
- specified representatives of a deceased person
Montana law also allows limited public vehicle-history research from crash information while restricting disclosure of identifying information.
Montana comparative negligence makes investigation of every participant important
MCA § 27-1-702 reduces a claimant's damages by the claimant's percentage of causally relevant negligence and can bar recovery when claimant negligence exceeds Montana's statutory threshold.
Fahrnow illustrates why competing evidence matters
Fahrnow v. E-5 Oilfield Services, 2025 MT 220, involved a hot-oil truck striking Fahrnow after an earlier collision on an icy Montana highway.
Evidence implicated:
- roadway ice
- vehicle position
- driver speed
- control of the commercial truck
- visibility of the existing hazard
- warning devices
- Fahrnow's position in the roadway
- the truck driver's response to conditions
The Supreme Court reversed summary judgment because reasonable minds could reach different conclusions about comparative negligence and causation.
Test the evidence against Montana's actual driving duties
MCA § 61-8-302 requires a person operating a vehicle on ways open to the public to drive carefully and prudently without unduly or unreasonably endangering others.
MCA § 61-8-303 separately requires a reduced speed no greater than is reasonable and prudent for actual conditions, taking account of traffic, visibility, weather and roadway conditions.
Questions for reconstruction include:
- What was each vehicle's actual speed?
- Was that speed reasonable for conditions?
- When did the hazard become visible?
- What sight distance existed?
- How much perception and reaction time existed?
- When did braking begin?
- Was evasive steering attempted?
- Which lane was each vehicle occupying?
- Were headlights and other lights operating?
- Did ice, snow, rain or other surface conditions contribute?
- Was a vehicle disabled or obstructing traffic?
- Were required or reasonable warnings displayed?
Build the evidence map by source
Roadway & environment
Photographs, video, measurements, geometry, grade, curvature, sight lines, signs, signals, lighting, weather, pavement condition, debris, tire marks and impact evidence.
The vehicles themselves
Damage patterns, crush, paint transfer, tires, brakes, lights, restraints, airbags, steering, suspension, mechanical condition, electronic modules and post-crash repairs.
Digital sources
EDR, telematics, GPS, infotainment records, dash cameras, surveillance video, phones, texts, applications, commercial fleet systems, electronic logs and rideshare records.
People
Drivers, passengers, pedestrians, independent witnesses, first responders, tow operators, repair personnel and investigating officers.
Records created by others
CAD and dispatch, 911 recordings, police video, business surveillance, employer files, maintenance records, rental records, carrier records and commercial-driver records.
Collision and injury relationship
EMS reports, emergency records, symptoms, diagnostic imaging, contemporaneous histories, mechanism of injury and later medical evidence relevant to causation.
The vehicle is evidence—not merely damaged property awaiting repair
When serious injury, disputed liability, mechanical failure, product defect or reconstruction is reasonably foreseeable, repairing, dismantling, selling, salvaging or destroying a vehicle can permanently eliminate evidence.
Before destructive work, consider preserving:
- exterior damage
- interior occupant-compartment condition
- airbag deployment
- restraint condition
- seat positions
- tire condition and pressure
- wheels and suspension
- brake components
- steering components
- lighting systems
- electronic modules
- EDR or crash-event data
- infotainment or navigation data
- telematics
- aftermarket cameras and electronics
Digital evidence can disappear without anyone intentionally deleting it
Modern passenger vehicles and commercial fleets can generate information through many independent systems:
- event data recorder
- airbag control module
- engine module
- brake module
- GPS
- telematics
- fleet-management platform
- ELD system
- dash camera
- mobile application
- cloud account
- third-party service provider
Each source can have a different retention period.
Fahrnow is an important warning—but not a finding that every lost data set is sanctionable spoliation
In Fahrnow, the plaintiff sought default judgment based on loss of EDR, telematics and black-box information from E-5's hot-oil truck and loss of an employee's physical personnel file.
The Supreme Court affirmed denial of the requested default sanction.
Among the facts considered:
- the hot-oil truck burned in an accidental fire roughly two months after the crash;
- GPS information maintained by an outside vendor was automatically deleted after 90 days;
- that deletion occurred before E-5 had notice that Fahrnow intended to pursue the negligence claim;
- other evidence remained from which speed could be estimated; and
- the lost employment material caused little prejudice because E-5 admitted the employee was acting within the course and scope of employment.
The preservation duty can arise before a complaint is filed
Montana State University-Bozeman
Montana State University-Bozeman v. First Judicial District Court, 2018 MT 220, defines spoliation as material alteration, destruction, or failure to preserve evidence for use in pending or future litigation.
Montana explained that Rules of Civil Procedure 26 through 37 give rise to a preservation duty when the party controlling the evidence knows or reasonably should know that the evidence may be relevant to pending or reasonably foreseeable adverse litigation.
When the duty does arise, it concerns then-existing items or information reasonably likely to be relevant to the contemplated claims or defenses.
Reasonable preservation can require suspending ordinary deletion, recycling, overwriting or document-destruction practices.
A party cannot simply declare potentially relevant evidence worthless and destroy it
In Spotted Horse v. BNSF Railway Co., 2015 MT 148, video from the work area where the plaintiff was injured was overwritten despite circumstances giving rise to preservation concerns.
Montana rejected the proposition that a sophisticated recurring litigant could unilaterally determine which evidence was relevant or valuable before the opposing party had a meaningful opportunity to evaluate it.
Spoliation remedies depend on who destroyed the evidence and why it matters
Evidence destroyed by a party to the case
Montana generally addresses direct-party spoliation through the trial court's procedural and evidentiary powers rather than creating a separate tort claim between the parties.
Available remedies can depend on the violation, culpability and prejudice and may include:
- additional discovery
- cost or fee consequences
- evidentiary restrictions
- adverse or remedial instructions where legally justified
- facts established for litigation purposes
- other Rule 37 remedies
- terminating sanctions in sufficiently extreme circumstances
Third-party destruction is different
Oliver v. Stimson Lumber Co., 1999 MT 328, recognized an independent negligent-spoliation cause of action in appropriate circumstances against a third party who is outside the litigation-sanction structure.
That claim has demanding elements, including a legal or contractual duty to preserve, destruction, significant impairment of the underlying action, causation, a significant possibility of success in the underlying action, and damages.
Default judgment is an extreme spoliation sanction
Montana State University-Bozeman and Fahrnow emphasize Montana's preference for resolving cases on their merits.
A party seeking default based on spoliation must establish, among other things:
- the opposing party had a duty to preserve the evidence;
- the duty was breached; and
- the loss caused significant prejudice.
The conduct also must be sufficiently serious to justify the extraordinary sanction requested.
A preservation notice should identify the threatened evidence specifically
A generic request to preserve evidence is better than silence, but a serious crash usually permits a more useful targeted notice.
Potential preservation targets:
- vehicle in post-crash condition
- EDR data
- airbag-control-module data
- other vehicle modules
- telematics
- GPS
- fleet-management records
- dash-camera footage
- surveillance video
- mobile-phone data
- texts and communications
- rideshare records
- delivery-platform records
- commercial ELD records
- driver logs
- inspection records
- maintenance records
- repair records
- employment records
- training records
- dispatch records
- route records
- adjuster photographs
- appraiser photographs
- recorded statements
- 911 recordings
- body-camera video
- patrol dash-camera video
- tow-yard records
- salvage records
When does formal crash reconstruction become important?
Reconstruction becomes particularly useful when accounts conflict or when speed, sight distance, reaction time, lane position, vehicle dynamics, mechanical condition or collision forces materially affect liability or causation.
A reconstruction may use:
- scene measurements
- vehicle crush measurements
- photogrammetry
- EDR data
- vehicle specifications
- tire marks
- debris distribution
- final-rest positions
- road grade
- friction evidence
- video timing
- signal timing
- weather data
- visibility analysis
- illumination analysis
- human-factors analysis
Wheaton v. Bradford
Wheaton v. Bradford, 2013 MT 121, 370 Mont. 93, 300 P.3d 1162, illustrates the role of qualified reconstruction testimony and computer simulation in disputed crash mechanics.
Montana affirmed admission of the reconstruction expert's testimony after examining the factual foundation and scientific reliability of the methodology.
Medical records can also contain crash evidence
Medical documentation serves more than a damages function.
Early records can preserve contemporaneous information concerning:
- reported mechanism of injury
- seat position
- direction of impact
- loss of consciousness
- airbag deployment
- body-region contact
- immediate symptoms
- neurological findings
- objective trauma findings
Evidence can be relevant to investigation without being admissible to prove fault
Montana's seat-belt statute is a clear example.
MCA § 61-13-106 states that evidence of compliance or failure to comply with Montana's seat-belt-use requirement is not admissible in a civil personal-injury or property-damage action resulting from use or operation of a motor vehicle.
The statute also states that failure to comply does not constitute negligence.
Citizen crash-investigation workflow
Crash evidence index
| Evidence | Likely custodian | Preservation risk |
|---|---|---|
| Vehicle | Owner, insurer, tow yard, salvage company | Repair, dismantling, auction, transfer or destruction |
| EDR / vehicle modules | Vehicle owner, operator, insurer or expert | Repair, module replacement, power loss or destruction |
| Telematics / fleet data | Fleet operator or service provider | Automatic retention and deletion schedules |
| Dash-camera video | Driver, employer, fleet or camera provider | Loop recording or cloud overwrite |
| Business surveillance | Nearby business | Often overwritten quickly |
| Phone / app records | Driver, device, carrier or platform | Deletion, device replacement and cloud retention |
| 911 / CAD / dispatch | Public agency | Agency retention schedule |
| Police video | Law-enforcement agency | Agency retention schedule |
| Witness memory | Individual witness | Memory fades and contact information changes |
| Roadway evidence | Physical scene | Weather, traffic, cleanup and maintenance alter the scene |
Common crash-investigation mistakes
- Treating the police report as the entire investigation.
- Assuming a citation decides civil fault.
- Describing every police report as statutorily inadmissible.
- Failing to distinguish the driver's § 61-7-109 report from the officer's report.
- Failing to photograph the overall scene.
- Taking only close-up damage photographs.
- Failing to locate independent witnesses.
- Waiting weeks to search for surveillance video.
- Allowing a significant vehicle to enter salvage before inspection.
- Failing to preserve EDR or telematics information.
- Ignoring commercial fleet or employer data.
- Ignoring outside vendors who hold digital evidence.
- Failing to preserve phone or app information.
- Assuming electronic evidence exists indefinitely.
- Failing to obtain supplemental police material.
- Ignoring evidence supporting claimant comparative negligence.
- Editing or recompressing the only original digital files.
- Confusing preservation with production.
- Confusing preservation with admissibility.
- Calling every missing record sanctionable spoliation.
- Waiting until a lawsuit is filed before considering preservation.
- Using seat-belt nonuse as Montana civil negligence evidence.
Montana authority map
Frequently asked questions
Does the police crash report decide who was legally at fault?
No. It can be an important investigative source, but civil liability is determined from admissible evidence and governing law.
Are all Montana police crash reports statutorily inadmissible?
No. MCA § 61-7-109(5) expressly applies to reports required by subsections (1) and (2)—the driver's required report and supplemental reports—not the law-enforcement report separately required by subsection (3). Police-created material remains subject to the Montana Rules of Evidence.
Why was the crash report excluded in Depositors v. Sandidge?
The Montana Supreme Court held the report offered there to prove liability was inadmissible hearsay. The case does not mean every underlying officer observation, photograph or measurement automatically has the same evidentiary status.
When must a Montana crash be reported immediately?
MCA § 61-7-108 requires immediate notice when the crash involves injury, death, striking a deceased person, or apparent property damage of $1,000 or more.
Do I have to file my own written Montana crash report?
Section 61-7-109 generally requires a qualifying driver report within 10 days unless law enforcement investigated and reported the crash as provided in subsection (3).
How quickly must the investigating officer submit the report?
For a qualifying investigation under § 61-7-109(3), the officer must forward the written report to the Department within 10 days after completing the investigation.
Can I obtain a Montana crash report even though it is confidential?
Yes, if you fall within a statutory access category. People named in or involved in the crash, qualifying representatives, their insurance carriers, parties to resulting civil litigation and specified estate representatives are among the categories listed in § 61-7-114.
Should a totaled vehicle be preserved?
When serious injury, disputed liability, reconstruction, mechanical failure or other material evidence issues are reasonably foreseeable, inspection and preservation should be evaluated before repair, dismantling, auction or destruction.
What is an EDR?
An event data recorder is a vehicle system that may record specified information around a qualifying event. Depending on the vehicle, other modules, telematics systems or outside providers may hold additional data.
When does Montana's duty to preserve evidence begin?
It can begin before a lawsuit is filed, when adverse litigation becomes reasonably foreseeable. The determination is objective and highly fact-specific; a mere abstract possibility of litigation is not enough.
Does every missing electronic record amount to spoliation?
No. The analysis includes whether a preservation duty had arisen, who controlled the information, how it disappeared, whether reasonable preservation steps were required, what alternative proof exists and what prejudice resulted.
What did Fahrnow decide about lost truck data?
The Supreme Court affirmed denial of the requested default sanction. The truck had burned accidentally, some outside-vendor information had been routinely deleted before notice of the claim, and the plaintiff did not establish the duty, breach and significant prejudice needed for the extreme sanction sought.
What is the correct citation for Wheaton v. Bradford?
Wheaton v. Bradford, 2013 MT 121, 370 Mont. 93, 300 P.3d 1162.
Can seat-belt nonuse be used as comparative-negligence evidence?
No under MCA § 61-13-106 in the civil motor-vehicle personal-injury or property-damage actions covered by that statute. The evidence is inadmissible for that purpose and noncompliance does not constitute negligence.
Evidence has a life cycle.
At the scene it exists. Then vehicles move, memories fade, cameras overwrite, electronic systems reset, repairs begin and property enters the salvage stream. Identify important evidence early, determine who controls it, preserve it before it disappears, and only then decide what the evidence ultimately proves.