Driving without Montana car insurance these days just doesn’t pay. With approximately 20 to 30 percent of Montanans now uninsured, self-protection through car insurance is more important than ever.
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Montana drivers who can’t afford Montana car insurance are hitting the road anyway, causing a dangerous epidemic of increasing premiums due to the number of fatal crashes, according to State Auditor John Morrison, who also works as the state’s insurance commissioner.
As premiums go up, more Montanans drop their Montana car insurance all together because they can’t or won’t pay. Then, when those uninsured drivers are involved in accidents, premiums rise even more, creating a vicious spiral.
“There’s a direct link between uninsured drivers and the price of auto insurance,” Morrison says.
The Potential Solution
Making sure all Montana drivers get and maintain Montana car insurance ensures lower rates for everyone.
The law used to require citizens to show proof of Montana car insurance when renewing license plates. But this created long lines at the department of motor vehicles. In addition, many Montanans renewed their Montana car insurance briefly, only to cancel it shortly thereafter.
Many say the solution lies in mandatory reporting. Under this system, Montana car insurance companies notify local police departments and the motor vehicle department when drivers let their insurance lapse. Then, when those drivers attempt to renew plates, driver’s licenses or car registrations, they are unable to do so. This removes a large percentage of Montana’s uninsured drivers from the road.
Enforcement of mandatory Montana car insurance means lower rates for everyone. Although shot down in Montana’s most recent legislative session, many expect this method of requiring drivers to maintain their Montana car insurance to take hold in the future.
Now, let’s examine what the state requires in order for you to maintain your Montana car insurance.
Montana state law requires all drivers to purchase liability insurance. Liability insurance covers you against damage you cause others when you are at fault in an accident. It does NOT, however, protect you against your own losses.
Minimum state-set liability requirements include:
Other Important Considerations
With so many uninsured drivers in Montana, it is wise to consider purchasing Uninsured Motorist coverage (UIM), which pays your own medical bills in case of an accident.
Other protective Montana car insurance coverages you may want to consider include comprehensive and collision. Comprehensive covers damage to your own car other than by collision; collision pays for damage caused when you collide with another vehicle.
Talk to a licensed Montana car insurance provider to help determine whether you need these coverages for your car.
Now do your part—and get what you need!
Now that you’ve become well informed about Montana car insurance, do your part to help keep insurance costs low. Know what’s required, drive safely, and protect yourself with the best coverage you can afford—with InsureMe’s help. After all, finding you the right coverage is what we do best!
We’ll be waiting to hear from you. Act today!