Insurance Policies that Every Montana Driver Should Look For

When thinking about car insurance coverage in the state of Montana, there are at least three important types that you should take a long look at – liability coverage (or personal injury protection), underinsured motorist coverage, and uninsured motorist coverage. Of course there are other types of insurance that might make sense for you, but these are the three kings of auto insurance.

By familiarizing yourself with these three types of insurance coverage, you should be in a better position if you or a loved one is involved in an auto accident near Billings, Montana.

Liability Insurance Coverage

Liability or personal injury protection coverage will typically cover you and your assets if you negligently cause a car accident that results in damage or loss to another person. Of course, if you are the victim of a careless driver who crashes into your vehicle, then you had better hope the other driver has this type of coverage. Montana law requires at least $25,000 in liability coverage.

Underinsured Motorist Coverage

Underinsured motorist coverage (or UIM coverage) is extra insurance you can purchase for yourself in case the other at-fault driver does not have enough liability insurance to cover your injuries, lost wages, medical bills, pain and suffering, and other damages he or she caused you in a collision. Sometimes in auto accidents, the other driver only has minimum liability limits, and your medical expenses and other damages will greatly exceed those limits. This is where UIM coverage is crucial.

Uninsured Motorist Coverage

Even worse than the at-fault driver not having enough liability insurance is when they have no insurance at all. Uninsured motorist coverage (or UM coverage) is insurance that you can purchase for yourself in the unfortunate event that a negligent driver has no insurance and no real assets to pay for your medical bills, lost wages, and other damages resulting from the crash. Purchasing sufficient UM coverage is a great way to protect yourself.

Be sure to talk to your insurance agent about these types of policies and any additional coverages that may be right for you. And if you need assistance with your auto accident insurance claim, contact Holm Law Firm at (406) 252-2900 for a free consultation.