Watch: Tuesday’s Insurance Tips – Personal Car Insurance in Montana
Does my car’s liability insurance pay for legal costs if sued after an accident? Get the definitive answer in this Tuesday’s Insurance Tips video from Jeff Williams, owner of Armor Insurance Agency in Miles City, Montana—your trusted local expert on Montana car insurance legal defense coverage.
Jeff explains that your personal auto liability insurance DOES include legal defense coverage when you’re at-fault in a car accident. Here’s how it works: If sued, your insurance company hires the attorney, pays court costs, handles negotiations, and covers judgments up to your policy limits—even if legal fees exceed those limits (defense costs are “supplemental”).
Critical details every Montana driver needs:
- What IS covered: Attorney fees, court costs, settlements/judgments (to policy limit)
- The catch: Judgments over your limits = you pay the difference personally
- What is NOT covered: Intentional acts, criminal behavior (DUI fines), contractual disputes
Real-world example: $100K liability limit, $150K judgment = insurance pays $100K + defense; you owe $50K.
Perfect for: Miles City drivers, Custer County families, Montana commuters worried about “what if I get sued,” and anyone searching “does car insurance pay lawyer fees Montana,” “auto liability defense costs MT,” or “Montana car accident lawsuit coverage.”
Jeff emphasizes raising liability limits for peace of mind—Montana’s minimums ($25K/$50K) often fall short of real accident costs.
Recorded live at 918 Bridge Street, Miles City, MT (Mountain Time). Unsure about your liability limits? Call Jeff directly: (406) 416-1096 for a free policy review.