Drive Protected in Miles City, Montana
Montana Law requires a minimum level of Liability Insurance to drive on Montana Highways
Liability insurance is the type of car insurance that pays for damage or injuries you cause to other people or their property if you are responsible for the accident
Montana’s Minimum Liability Requirements
$25,000 Per Person
Payout to any one person injured in an accident that you are found liable for
$50,000 Per Accident
Payout to all people injured in an accident that you are found liable for
$20,000 Property Damage
Payout for damage to someone else’s property that you are liable for
Discover Your Options
Don’t Rely on Just the Minimum Liability Limits
While Montana drivers meet the law with minimum liability coverage, it often falls short in a serious accident
Montana’s minimum liability limits can leave you exposed if someone is seriously hurt — you’d be responsible for all costs above $25,000 per person and $50,000 per accident
On top of that, if you’re shopping for a new car, you’ve probably noticed that $20,000 doesn’t go very far these days
Consider the costs if you had to cover an ambulance, emergency care, a life flight, a lengthy ICU stay, or surgery on your own.
What impact would it have on your life when the Court orders you to pay for someone else’s new vehicle out of pocket?
Something to Think About
- Montana has not updated the first two minimum liability requirements since 1975
- More recently, in the early 2020’s the Montana Legislature declined to update the property requirement to account for increased prices and inflation
Explore Coverage Options for Your Vehicle
There are 4 coverages available for your vehicle
- Coverage A – Liability: Protects you financially if you’re at fault in an accident, covering bodily injury and property damage to others up to your policy limits
- Coverage B – Medical Payments: Pays for medical expenses for you and your passengers, no matter who caused the accident
- Coverage C – Uninsured/Underinsured Motorist: Safeguards you if you’re in an accident with a driver who has no insurance or insufficient coverage
- Coverage D – Collision & Comprehensive: Protects your vehicle from accidents, theft, vandalism, and other non-collision event
- Collision covers damage from accidents
- Comprehensive covers non-collision incidents like theft or natural disasters
The ABC&D Coverages offer Montana drivers a comprehensive safety net, ensuring both financial security and peace of mind on the road
Why Drivers in Miles City Trust Us for Their Car Insurance
Why Choose Us
- Multiple Carrier Options
- Knowledgeable Agents
- Service
- Reliability
- Tailored Coverage Options
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FAQ’s
What is the minimum car insurance coverage required by Montana law?
Montana law requires drivers to have liability insurance that covers at least $25,000 for bodily injury or death per person, $50,000 for bodily injury or death per accident, and $20,000 for property damage
How do I qualify for car insurance discounts in Miles City, MT?
Discounts vary by carrier, but common qualifications include having a clean driving record, being a good student, bundling policies, and using usage-based insurance tracking devices
What is the difference between collision and comprehensive coverage?
Collision coverage pays for damage to your vehicle from accidents, regardless of fault. Comprehensive coverage covers non-collision incidents like theft, vandalism, or natural disasters
Can I customize my car insurance policy to fit my specific needs?
Yes, you can tailor your policy by selecting specific coverage types and limits. Our knowledgeable agents can help you choose the best options for your situation
How often should I review and update my car insurance policy?
It’s a good idea to review your policy when you renew your policy and whenever your circumstances change (e.g., moving, buying a new vehicle, or adding drivers). This ensures you have the right coverage and can take advantage of any new discounts you might qualify for
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Protect Yourself and Your Assets
You can trust Armor Insurance Agency to work with you to find your personalized auto insurance solution
Want to discover your options?
Call: (406) 416-1096
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