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uninsured/underinsured motorist accidents Archives

When uninsured motorists coverage is not enough

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. 

Driving uninsured: the cost

No matter the severity, car accidents can be frightening, to say the least. After all is said and done, Montana drivers are often left in a confused state in regard to the steps that ensue. What will happen to monthly insurance premiums? Will those premiums increase, even when a driver was not at fault? What if there was no insurance to begin with?

Does Montana law require uninsured motorist coverage?

It is easy to devalue the protection offered by auto insurance coverage because the hope is that you will never have to use it. Because many do not appreciate its value, they only secure the bare minimum required by state law. If you use this same logic when arranging your coverage, then you may also assume, like many, that your policy includes uninsured or underinsured motorist coverage. Yet does it?