Driving without insurance is illegal in Montana. If caught, you will be charged with a misdemeanor and can face the following penalties:
- First-time offenders can face fines of between $250 and $500 or up to 10 days in jail.
- A second offense can get you a $350 fine or 10 days in jail, the suspension of your driver’s license for 90 days, and 5 points on your driving record, which can increase car insurance costs.
- Third and subsequent offenses can get you a fine of $500 or up to 6 months in jail, or both.
Despite this, approximately one out of ten drivers you are sharing the roads with in this state is driving an uninsured vehicle.
These uninsured drivers have no backup to cover their financial obligations if they cause an accident, and they are unlikely to be able to pay for any medical attention you may need if they cause a collision with your vehicle. This means you may need to go through lengthy court hearings and lawsuits just to get a fraction of what is owed to you.
Fortunately, if you include uninsured motorist coverage in your auto insurance policy, you can have the coverage you need right away if an uninsured driver hits you. This optional insurance pays for your medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver.