Montana Car Insurance
Reader’s Question:
I was traveling straight on a green light however a vehicle pulled out in front, I swerved and hit the curb. What are the chances that the my insurance carrier will cover me in Montana?
Renee
Great Falls, MT
If you have collision in your insurance policy you should cover you up to your deductible. It doesn’t matter what you hit either a curb or another car. After the adjuster checks your vehicle you should receive a check for that amount or it will be sent to the shop that does the repair. Different insurance providers handle claims differently.
I am assuming that you didn’t get the other motorist’s information, only his plate number. Since you have a witness in the accident, you will need his statement so the police will be able to provide you the other drivers information and you can file a claim with his insurance carrier or your insurance will file the claim for you. You will receive a check for the deductible when the other insurance carrier pays your company back. Even if the other insurance provider denies the claim, or if the other motorist is uninsured, you can still sue him in small claims in court. A witness would definitely help in court but is not always necessary since the judge will probably know that you didn’t pick his plate number at random.
Auto insurance Montana
Reader’s Question:
Do you need a drivers license to get auto insurance in Montana?
Ben
Billings, MT
You can get car insurance in Montana without a drivers license. However, you will only have a specified amount of time to get your drivers license after you get the car insurance and normally its within 45 days. If you don’t have auto insurance by that time then the insurance policy will be cancelled.
Without a drivers license the insurance policy will be more expensive since they do not have a driving record to look at for you. The best way to get be insured would probably be online in this case.
Make sure to comparison shop to get a cheaper car insurance in Montana. Most insurance companies charge outrageous prices for motorist without licenses while others just add a small surcharge. You may contact insurance companies because they will be able to provide information and quotes. These insurance companies also have an option to speak to qualified insurance agents for free.