Like most in Missoula, you likely assume that all of the other drivers on the road have auto insurance (after all, who would want to drive without it?). However, if and when you are involved in a car accident, you may be unpleasantly surprised to learn that not everyone has such protection. Indeed, data shared by The Insurance Information Institute shows that nearly 10 percent of drivers in Montana do not have auto insurance coverage. Many come to us here at Terrazas Clark Henkel PC after having been involved in accidents with uninsured drivers concerned over who will cover their expenses. Knowing this requires understanding Montana's stance on insurance coverage.
It may go without saying that people in Missoula understand that the only way for teen drivers to develop strong driving skills is to let them drive. The hope is that most new drivers will realize the risks associated with driving recklessly, and thus avoid such activity. Yet research and accident statistics show that teens tend to be more likely to engage in practices that might impair their driving skills, such as drinking while driving, driving at high speeds or traveling at night. Unfortunately, those who do endanger not just themselves, but everyone on the road around them.
When accidents occur on private property in Missoula, the common assumption is that the property owner is liable. That is what many of those that we here at Terrazas Henkel, P.C. have worked with come to us believing. If you share the same assumption, then you should know that your status on another's property plays a significant role in determining the duty of care that a property owner owes to you.