MONTANA GUIDE 03
Finding Every Insurance Policy After a Montana Crash
Coverage investigation is often the most important early task in a serious Montana crash. The at-fault driver’s personal auto policy may be only one layer of available insurance.
Coverage sources to investigate
- Personal auto liability coverage
- Employer or commercial auto coverage
- Umbrella or excess policies
- Policies on borrowed, rental, or non-owned vehicles
- Rideshare or transportation-network coverage
- Policies protecting additional insureds
- UM/UIM and MedPay available to injured occupants or household members
Obtain complete policies, declarations, endorsements, applications, coverage-selection forms, and written coverage positions. Do not stop with a verbal statement of limits.
Migration source: VictimsGuide Montana coverage-investigation guide. Verify current Montana law and official authority before reliance.
VictimsGuide 