• Request declarations and applicable policy forms.
• Ask whether umbrella, excess, commercial, employer, or additional-insured coverage exists.
• Preserve written insurer statements concerning limits and coverage positions.
• Compare disclosure responses to the facts developed through the crash investigation.

Do not assume that a single disclosed limit establishes the total insurance available for the occurrence.

Migration source: VictimsGuide Montana coverage-disclosure guide. Verify current Montana law and official authority before reliance.