Question 1

Does Montana allow UM/UIM stacking?

Accepted Answer

It depends on how your policy was priced and disclosed. Unless the policy specifically provides otherwise, limits of one policy, or of several policies from the same company, may not be added together if the premiums actually reflect limiting coverage separately to each vehicle and the rates were filed with the commissioner, and the insurer must tell you in writing whether coverage may be added to another vehicle's (MCA 33-23-203). Where those conditions are not met, the statute does not bar adding them.

Question 2

Is uninsured motorist coverage required in Montana?

Accepted Answer

Yes, in at least $25,000 per person and $50,000 per accident, unless the named insured rejects it (MCA 33-23-201; 61-6-103).

Question 3

Is underinsured coverage required?

Accepted Answer

We found no Montana statute that requires it or says how it pays. It is whatever your policy provides, so read your underinsured endorsement.

Question 4

What if I was partly at fault?

Accepted Answer

Your damages are reduced in proportion to your fault, and recovery is barred only if your fault is greater than the fault of the defendant or of all defendants and nonparties combined (MCA 27-1-702).

Question 5

How long do I have to sue?

Accepted Answer

Most tort actions must be commenced within 3 years (MCA 27-2-204); a minor's time to sue does not run during minority (27-2-401). Your policy may set other deadlines for a claim against your own insurer.

Montana UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Montana makes antistacking depend on pricing and written notice, and has no UIM statute

Montana UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Montana makes antistacking depend on pricing and written notice, and has no UIM statute

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