Montana Insurance FAQs

• Q: How Can I Save Money On My Auto Insurance?
  A: There are several ways to save money on car insurance. However, it is important to maintain adequate levels of insurance to cover unexpected accidents. The following … More
• Q: What Should I Do If I Am Involved In A Car Accident?
  A: The first thing you should do is check to see if anyone is injured. Call 911 if needed. Notify the police to file an accident report. Notify your company or agent if … More
• Q: Is An Insurance Company Obligated To Issue Me An Automobile Insurance Policy?
  A: No. Automobile insurance providers are not obligated to offer coverage to all applicants in Montana. Each company has its own underwriting requirements and, therefore, … More
• Q: Can I Be Added To My Parents' Automobile Insurance?
  A: If you drive a family car, you can be added to your parents' policy; however, the cost of the policy will increase. If you have your own automobile, your parents' … More
• Q: Will My Rates Go Up Or Will I Lose My Insurance If I Am Involved In An Accident Or Get A Ticket?
  A: If you are not at fault in an accident, your insurance should not be affected. If you are at fault, get a ticket for a moving violation, or are involved in an … More
• Q: How Can I Obtain Insurance If Several Companies Have Rejected Me?
  A: If all attempts fail and you are unable to obtain automobile insurance, some states allow you to obtain insurance through a state insurance program. However, this … More
• Q: What Does Comparative Negligence Mean?
  A: Comparative negligence law is based on a percentage of negligence. If one person's negligence was less than the negligence of the party with whom a claim for recovery … More
• Q: Do I Have A Grace Period For The Payment Of My Automobile Insurance Premium?
  A: No. There generally is no grace period in an automobile insurance policy. Montana allows for immediate cancellation of your policy for unpaid premiums, with proper …
• Q: If I Call An Agent For A Quote Of An Automobile Insurance Premium And Later Decide To Apply For A Policy Based On The Rate Quote, Is It Guaranteed?
  A: No. Occasionally an agent might make a mistake in calculating a rate, and the company is required by Montana law to use the rates filed with and approved by the … More
• Q: How Long Does The Insurance Agency Have To Respond To My Claim?
  A: The actual time may vary from state to state. However, the general rule adopted by most states is that the insurance company has 30 days to respond, unless an … More
• 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

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