{"id":374572,"date":"2016-10-07T18:09:12","date_gmt":"2016-10-07T23:09:12","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/montana-law\/montana-car-accident-compensation-laws.html"},"modified":"2024-12-20T09:09:00","modified_gmt":"2024-12-20T14:09:00","slug":"montana-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/montana-law\/montana-car-accident-compensation-laws.html","title":{"rendered":"Montana Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-8f761849 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Montana Car Accident Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/susan-buckner-j-d\/\">Susan Buckner, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">Garrett Monteagudo, Esq.<\/a>\n                | Last updated\n        <time>\n                            December 20, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Montana car accident laws are about average for recovering damages after a car crash. Their at-fault system means drivers must prove the other driver was responsible for the accident to recover damages. Montana&#8217;s modified <a href=\"https:\/\/www.findlaw.com\/state\/montana-law\/montana-negligence-laws.html\">comparative negligence system<\/a> means drivers can recover even if they were partially responsible.<\/p>\r\n<p>Montana laws are easier to understand with some legal guidance. After an auto accident, contact an <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/hire-a-car-accident-lawyer.html\">experienced attorney<\/a> for help with your insurance claim and an explanation of Montana&#8217;s liability insurance laws.<\/p>\r\n<h2><b>Montana Car Accident Compensation Laws<\/b><\/h2>\r\n<p>Montana is an at-fault state. Under the at-fault, or &quot;tort&quot; system, drivers can sue the other driver&#8217;s insurance company to recover damages after an accident. Depending on the at-fault driver&#8217;s insurance policy, there may be other steps you must take to file your claim.<\/p>\r\n<p>Before <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\">determining fault<\/a>, insurance adjusters review evidence about the case, including police reports, medical records, and witness statements. Once the insurance company determines fault, it will pay according to Montana&#8217;s comparative negligence rule.<\/p>\r\n<p>Montana requires all drivers to carry <a href=\"https:\/\/www.findlaw.com\/traffic\/drivers-license-vehicle-info\/state-car-insurance-information.html\">minimum liability insurance<\/a>. Minimum coverage requirements are:<\/p>\r\n<ul>\r\n<li>$25,000 bodily injury liability per person<\/li>\r\n<li>$50,000 bodily injury liability per accident<\/li>\r\n<li>$20,000 property damage liability per accident<\/li>\r\n<\/ul>\r\n<p>Unlike some states, Montana does not require drivers to have personal injury protection (PIP) coverage or <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/do-i-need-underinsured-motorist-coverage.html\">Uninsured\/Underinsured Motorist<\/a> (UI\/UIM) coverage. These types of insurance let you make a claim with your own insurance company if the other driver does not have insurance.<\/p>\r\n<h2><b>Modified Comparative Negligence<\/b><\/h2>\r\n<p>Montana follows a modified <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/contributory-and-comparative-negligence.html\">comparative negligence rule<\/a>, sometimes called the &quot;<a href=\"https:\/\/www.findlaw.com\/state\/montana-law\/montana-negligence-laws.html\">51% Bar Rule<\/a>.&quot; Under this rule, drivers who are 50% or less at fault for the accident may still recover damages. The percentage of fault reduces their recovery amount. For instance, a driver who is 20% at fault can only recover 80% of their damages.<\/p>\r\n<p>Drivers who are more than 51% at fault cannot recover in a car accident lawsuit. Montana&#8217;s laws are similar to those of most other states. A few states use a &quot;pure&quot; comparative negligence rule that lets drivers recover no matter what their percentage of fault. Even fewer follow a &quot;contributory negligence&quot; rule, where any fault prevents a driver from recovering damages.<\/p>\r\n<h2><b>Damages and Limits<\/b><\/h2>\r\n<p>The<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-kinds-of-damages-may-i-claim-for-car-accident-injuries.html\"> types of damages<\/a> available in a car accident case are &quot;consequential&quot; damages. Accident victims must show that they suffered tangible and intangible injuries from the accident. There are two general kinds of damages you may claim.<\/p>\r\n<p><b>Economic damages <\/b>are anything with a dollar value and include:<\/p>\r\n<ul>\r\n<li>Medical expenses, hospital bills, and related costs<\/li>\r\n<li>Lost wages and income<\/li>\r\n<li>Property damage<\/li>\r\n<\/ul>\r\n<p><b>Non-economic damages <\/b>are less easy to evaluate and can include:<\/p>\r\n<ul>\r\n<li>Pain and suffering<\/li>\r\n<li>Emotional distress<\/li>\r\n<li>Disability and disfigurement<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/how-to-prove-loss-of-consortium-in-a-car-accident-claim.html\">Loss of consortium<\/a><\/li>\r\n<\/ul>\r\n<p>Courts may award <b>punitive damages<\/b> for personal injury claims where the defendant acted with gross negligence or willful intent. The standard of proof for punitive damages is higher than for consequential damages.<\/p>\r\n<h3><b>Limits<\/b><\/h3>\r\n<p>Montana has two statutes of limitation relevant to motor vehicle accidents. The time limit for filing personal injury lawsuits is <a href=\"https:\/\/codes.findlaw.com\/mt\/title-27-civil-liability-remedies-and-limitations\/mt-code-ann-sect-27-2-204.html\" target=\"_blank\" rel=\"noopener\">three years <\/a>from the date of the accident. The statute of limitations for property damage lawsuits is only <a href=\"https:\/\/codes.findlaw.com\/mt\/title-27-civil-liability-remedies-and-limitations\/mt-code-ann-sect-27-2-207.html\" target=\"_blank\" rel=\"noopener\">two years<\/a>.<\/p>\r\n<p>Montana has no cap on economic or non-economic damages. Courts usually keep the awards within the reasonable amount of the stated injuries. For serious injuries and wrongful death, courts use other calculations.<\/p>\r\n<p>Punitive damages have a <a href=\"https:\/\/codes.findlaw.com\/mt\/title-27-civil-liability-remedies-and-limitations\/mt-code-ann-sect-27-1-220\" target=\"_blank\" rel=\"noopener\">statutory limit <\/a>of the lesser of $10 million or 3% of the defendant&#8217;s net worth.<\/p>\r\n<p><i>Note:&nbsp;State laws are always subject to change through the passage of new legislation, rulings in the higher courts (including federal decisions), ballot initiatives, and other means. While we strive to provide the most current information available, please consult an attorney or conduct your own legal research to verify the state law(s) you are researching.<\/i><\/p>\r\n<h2><b>Get Legal Advice From a Montana Personal Injury Attorney<\/b><\/h2>\r\n<p>Plaintiffs making a car accident claim should consider Montana&#8217;s 51% Bar Rule and the lack of limits on accident damages when filing their insurance claim. Get legal advice from an experienced <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/montana\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Montana car accident attorney<\/a> before sending in any documentation.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" 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19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n         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for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        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<span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/#USER_GEO\/?fli=esum\" title=\"Car Accident Attorney Directory\" target=\"_blank\" rel=\"noopener\">If you need an attorney, find one right now.<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img 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