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Montana Insurance Laws and Regulations
The Montana Commissioner of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of Montana does not share complaint information with consumers.
The insurance commissioner in the state of Montana is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.
A summary of the driving safety laws in the state of Montana can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Montana.
The Montana Statute of Limitations defines the time limit following an accident when you can file a lawsuit in the state. Once this time limit has passed, you can no longer file a lawsuit.
Montana has minimum auto insurance amounts that are required by law. The table below shows the MT minimum car insurance limits.
Minimum Car Insurance Coverage Required in Montana
|Bodily Injury, per person||25,000|
|Bodily Injury, per accident||50,000|
Resources Available to Consumers
the Montana Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.
The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.