Montana has adopted a tort system when it comes to auto insurance coverage. This means when an accident occurs, one driver must be found legally at fault. That person is responsible for paying for the damages caused.
People who have been injured in an auto accident in Montana have the right to sue to collect damages from the at-fault driver. They can also receive compensation for the cost of repairs to their vehicle.
If the at-fault driver does not have insurance protection in place, he or she will be faced with having to pay these costs personally. Very few people would be able to do so without facing financial hardship, especially in the case of a serious accident. A better choice is to put an insurance policy in place to cover these costs if an at-fault accident occurs.
The money spent on premiums is a small price to pay for the level of protection that a Montana car insurance policy can provide. To keep costs down, a customer should make a point of shopping around to find the lowest rates. Each company uses its own formula for determining how much to charge a customer, and pricing can vary significantly between companies for the same type and level of protection.
Take your time and make sure you get the right level of Montana auto insurance protection for your needs.