Attorneys

Montana Insurance FAQs

• Q: Why Does The Insurance Company Have To Investigate The Claim When The Police Cited The Policyholder?
  A: A traffic citation is not a determination of legal liability. The company is still obligated to investigate claims made according to the specifications of the policy. … More
• Q: What Is Full Coverage?
  A: The definition varies from policy to policy. Often there are misunderstandings surrounding the coverage. For this reason, it is important to carefully read your … More
• Q: What About A Rental Car While Mine Is Being Repaired?
  A: If the other person is at fault or if the other party's insurance company has accepted fault, then you are entitled to a rental car. Even if you are at fault, some … More
• Q: Can I Choose Where I Want To Have My Car Repaired?
  A: Yes. You are generally free to choose whatever shop you want to do the work. However, the insurer is only obligated to pay for the going rate for repairs in your area. … More
• Q: What If The Original Estimate Does Not Match The Actual Costs?
  A: The repair shop generally works with the adjuster to handle any additional costs that occur due to hidden damage or differences in the price of parts. If the insurance … More
• Q: Can The Insurance Provider Require The Repair Shop To Use Generic Or Used Parts?
  A: Generally, the insurance provider must reimburse you for the repair or replacement of your vehicle with like kind and quality parts. However, the parts may not have to … More
• Q: If The Insurance Company Pays Me, Do I Have To Have The Vehicle Fixed?
  A: Insurance providers vary in their policies regarding payment of damage amounts. Your insurance provider may have language in your policy regarding whether it is … More
• Q: If My Vehicle Is Declared A Total Loss, How Much Must The Insurance Provider Reimburse Me?
  A: The insurance provider owes you the fair market value of your vehicle before the accident in your local area. The fair market value is defined as what a willing buyer … More
• Q: Will The Insurance Provider Reimburse Me For The Time That I Had To Spend In Filing My Claim And Seeking Estimates?
  A: No. A property damage claim includes the cost to repair or replace the vehicle and compensation for loss of use of that vehicle. The time you spend on securing payment … More
• Q: What Are Some Important Initial Considerations?
  A: Decide how much insurance protection you need and can afford. Make informed decisions when you buy a policy. Choose the kind of policy that has benefits that most … More
• Q: What Are Some Important Considerations In Choosing My Policy?
  A: Ask an agent or company to help you. The service and reputation of the company and the agent you select is important. Review the application carefully with the agent; … More

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