Core questions after a crash

• What liability limits were in force on the date of loss?
• Was the vehicle insured under a personal, commercial, employer, rental, rideshare, or umbrella policy?
• Do additional insureds or additional policies apply?
• Are there excess or umbrella limits beyond the declarations page first produced?

For serious injuries, never treat the minimum-limit policy as the end of the coverage investigation. The practical task is to identify every policy and every insured relationship that may respond to the occurrence.

Migration source: VictimsGuide Montana required-insurance guide. Verify current Montana statutes and official authority before reliance.