Montana Insurance Help – Car Insurance
Does personal auto liability coverage have a deductible? Get the definitive answer in this Montana Insurance Help video from Jeff Williams, owner of Armor Insurance Agency in Miles City, Montana—your trusted local expert on Montana auto insurance deductibles.
Jeff clarifies the #1 confusion for Montana drivers: Personal auto liability insurance has NO deductible. Here’s the breakdown:
Liability coverage (pays for others when you’re at-fault):
- No out-of-pocket deductible – Insurance pays 100% up to policy limits
- Covers bodily injury, property damage you cause
Collision/Comprehensive (pays for YOUR vehicle):
- DO have deductibles ($500, $1,000 typical)
- You pay deductible → Insurance covers remainder
Critical exceptions every Montana driver needs to know:
- Commercial auto policies: May have liability deductibles
- Umbrella policies: Often include liability deductibles ($2,500+ typical)
- Named driver exclusions: No coverage for excluded drivers
Real-world example: $300K liability limit, $50K accident = insurance pays $50K with $0 deductible from you.
Perfect audience: Miles City drivers, Custer County families, Eastern Montana commuters asking “does car insurance have a deductible Montana,” “liability vs collision deductible MT,” “personal auto insurance deductible Miles City,” and new policyholders confused about coverage basics.
Jeff emphasizes understanding your policy structure—Montana’s minimum liability ($25K/$50K) often leaves gaps that collision/comprehensive deductibles exacerbate.
Recorded live at 918 Bridge Street, Miles City, MT (Mountain Time) for the Montana Insurance Help Facebook group. Policy questions? Call Jeff directly: (406) 416-1096 for a free coverage review.
Shared exclusively in Montana Insurance Help—your community for clear answers on home, auto, and business insurance across Eastern Montana.
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