Protect Yourself: The Rising Threat of Uninsured Motorists in Montana
Car accidents involving uninsured or underinsured motorists are a common occurrence. Victims in these accidents often find themselves facing significant medical bills and other financial burdens.
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Posted: 11/21/2024
Personal Injury Motor Vehicle Accident Safety
A Growing Problem
In recent years, Montana has seen a concerning rise in the number of uninsured motorists. As of 2022, approximately 14% of drivers were uninsured. This means that one in seven drivers on Montana's roads may not have the necessary insurance coverage to compensate you in the event of an accident.
Estimated Percentage Of Uninsured Motorists, 2017-2022
| Year | Percent |
|---|---|
| 2017 | 11.6% |
| 2018 | 11.5% |
| 2019 | 11.1% |
| 2020 | 13.9% |
| 2021 | 14.2% |
| 2022 | 14.0% |
The Dangers of Uninsured Driving
Driving without insurance is not only illegal but also incredibly dangerous. If you're involved in a motor vehicle accident with an uninsured driver, you could be left responsible for significant medical bills, property damage, and lost wages. Without adequate insurance coverage, you may struggle to recover the compensation you deserve.
Protecting Yourself with Uninsured and Underinsured Motorist Coverage
To safeguard yourself from the financial burden of an accident caused by an uninsured or underinsured driver, it's crucial to have Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage.
- Uninsured Motorist (UM) Coverage: This coverage protects you if you're involved in an accident with a driver who has no insurance.
- Underinsured Motorist (UIM) Coverage: This coverage protects you if you're involved in an accident with a driver who has insurance, but their coverage limits are insufficient to cover your losses.
Montana's Minimum Auto Insurance Requirements
To legally drive in Montana, you must carry the following minimum liability insurance coverage:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $20,000 per accident
While these minimum coverage limits are required by law, they may not be sufficient to cover all potential costs associated with an accident. It's advisable to consider increasing your coverage limits to better protect yourself and your family.
Remember: Driving without insurance is not only irresponsible but also a significant risk to yourself and others on the road. Protect yourself and your loved ones by ensuring you have adequate insurance coverage.
How to Ensure You're Protected
- Review Your Policy: Take the time to review your auto insurance policy to understand your current coverage limits for UM and UIM.
- Consult Your Insurance Agent: If you have questions about your coverage or need to increase your limits, consult with your insurance agent.
- Consider Increasing Your Coverage: If your current coverage limits are insufficient, consider increasing them to better protect yourself and your family.
By taking these steps, you can ensure that you're financially protected in the event of an accident, regardless of the other driver's insurance status.
Contact Us for Help
If you are involved in a motor vehicle accident and seriously injured, our Montana car accident lawyers are available to help. We have a winning track record of guiding our clients through an accident, and we take pride in helping our fellow Montanan's. Contact us for a free initial consultation and stay safe while driving!
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