Why Get Motorcycle Insurance in Montana
Montana’s insurance system operates on an “At-Fault” basis. This means that the principle law of negligence is what governs all motorcycle and motor vehicle accidents in Montana. This law offers protection to all Montana motorcyclists by holding a negligent driver accountable and liable for damages and injuries resulting from an accident. This basically means that any motorist who is proven to be “at fault” because of his negligence during a motorcycle accident can be held responsible and forced to make payments for any pain and suffering, scar marks, deformities, lost income, no-fault benefits, and more. If you are involved in an accident and found to be at fault, having the proper insurance coverage is a must. Without adequate liability insurance, you could face a huge amount of expenses for medical bills alone. Protect yourself and your assets with comprehensive Montana motorcycle insurance.
Motorcycle Riding in Montana
Montana requires anyone driving a three-wheeled motorcycle or scooter to be properly licensed by the state. To be eligible for a Montana motorcycle endorsement, you must be at least 15 years old and successfully complete a state-approved driver’s education course.
Motorcycle License Requirements
- Hold a valid Montana driver’s license
- Pass both a Written and Skills test
- Pay a 50 cents per year License Fee
Providing proof of completion of a basic rider course to the Department of Motor Vehicles may waive the state skills test.
Minimum Liability Insurance in Montana
Unlike most other states, motorcycle owners are not required by law to insure their motorcycles in Montana. However, it is always advisable to be insured. Although not a legal requirement, Montana’s minimum liability amounts for motorcycle insurance are as follows:
- $25,000 for bodily injury of one person
- $50,000 for bodily injury of all injured parties
- $10,000 for property damage in one accident
Montana expects motorcycle owners to be able to pay for any and all damages and injuries resulting from an accident in which they are found at fault. Establishing financial responsibility is not limited to buying the traditional liability insurance policy. Other alternatives for insurance procurement include:
- Real Estate or Surety Bond
- Certificate of Cash Bond for $55,000 or more.
- Self-insurance Certificate
- Columbia Falls
- Deer Lodge
- Great Falls
- Miles City
- Red Lodge
- Wolf Point