Important Details Montana InsuranceMany different states throughout the nation have unique laws and limits in place when it comes to automobile insurance. Montana’s one of such places where it is mandatory that motorists have liability coverage before being legally allowed to operate an automobile. Furthermore, this liability coverage has monetary limits that must be met. A motorist must have a policy with at least ,000 for bodily injury to one person in a single accident, ,000 for two or more people in a single accident, and ,000 for property damages. It is important to note that this form of coverage would only pay for damages for which the insured was responsible. If the covered motorist is at fault, then this would include injuries or funeral costs of the occupants of the vehicle that was struck, as well as any property damages. This does not include damages caused to the insured.Because MT wants to be sure that all residents are properly covered, it is required by law that all montana car insurance providers offer clients uninsured motorist protection before they sign for a policy. Although a driver can choose to opt out of this additional coverage, doing so is often discouraged. It is speculated that roughly 15% of residents are driving without coverage, meaning that there is a chance that choosing not to include uninsured motorist protection could prove hazardous for vehicle owners. If obtained, this additional protection would cover damages up to the policy limits that are sustained from an accident with an uninsured driver, while choosing not to have it would leave the motorist vulnerable to incurring such expenses.