In Montana, drivers must possess the minimum liability insurance coverage, the 25/50/10 plan, in order to be covered if and when a car accident happens. The 25/50/10 plan covers $25,000 in individual bodily injuries, $50,000 per accident for other injured parties, and $10,000 in property damage.
Montana is a “fault” state that follows the tort system, meaning that you can file a claim with your insurance company, the other party’s company, and a lawsuit as well if the insurance company cannot cover all of the damages.
Being that Montana adheres to the tort system, victims of car accidents are free to file a lawsuit against the responsible party. Most insurance companies are unable to cover all of the damages related to a severe car accident, but a successful lawsuit will hold the party at fault responsible for the rest of the damages. However, the state of Montana also follows the modified comparative liability rules, which states that you cannot recover damages unless the other party is more than 50% responsible for the accident.
Since Montana is a comparative liability rule state, it’s imperative to retain the services of a car accident lawyer for your lawsuit.