Montana Car Accident Settlement Calculator
Estimate a car accident settlement under Montana law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Montana law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Montana bars recovery if plaintiff is 51% or more at fault.
Mont. Code Ann. § 27-1-702·Source retrieved 2026-07-27
Mont. Code Ann. § 27-1-220·Last reviewed 2026-07-30
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Montana car insurance law: minimums, PIP and uninsured motorist coverage
What Montana's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Montana: Minimum liability coverage
“Except as provided in subsection (1)(b), an owner of a motor vehicle that is registered and operated in Montana by the owner or with the owner's permission shall continuously provide insurance against loss resulting from liability imposed by law for bodily injury or death or damage to property suffered by any person caused by maintenance or use of a motor vehicle in an amount not less than that required by 61-6-103, […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“[…] subject to limits exclusive of interest and costs, with respect to each motor vehicle, as follows: (i) $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person; (ii) $50,000 because of bodily injury to or death of two or more persons in any one accident; and (iii) $20,000 because of injury to or destruction of property of others in any one accident.”
The provision begins before this quote, and the part before it is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Each Montana provision here is quoted from the Montana Code Annotated 2023, the edition the captures show. A change made in 2025 would not appear here.
Montana: No-fault, personal injury protection and the right to sue
No personal injury protection requirement, and no limit on a suit for pain and suffering, was found in the provisions read for this page (MCA 33-23-201, 61-6-103 and 61-6-301).
Montana: Uninsured and underinsured motorist coverage
“(1) A motor vehicle liability policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle may not be delivered or issued for delivery in this state, with respect to any motor vehicle registered and principally garaged in this state, unless coverage is provided in the policy or supplemental to the policy, in limits for bodily injury or death set forth in 61-6-103, under provisions filed with and approved by the commissioner, for the protection of persons insured under the policy who are legally entitled to recover damages from owners or operators of uninsured motor vehicles […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“(2) The named insured has the right to reject the coverage. Unless the named insured requests the coverage in writing, the coverage need not be provided in or supplemental to a renewal policy when the named insured had rejected the coverage in connection with the policy previously issued to the named insured by the same insurer.”
No underinsured motorist requirement was found in the provisions read for this page (MCA 33-23-201).
Each Montana provision here is quoted from the Montana Code Annotated 2023, the edition the captures show. A change made in 2025 would not appear here.
Montana: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (MCA 33-23-201, 61-6-103 and 61-6-301).
What partial fault costs you in Montana
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Montana law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Montana deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Montana periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Mont. Code Ann. § 27-2-204·Source retrieved 2026-07-27
Open the personal injury calculatorMont. Code Ann. § 27-2-205·Source retrieved 2026-07-27
Open the medical malpractice calculatorMont. Code Ann. § 27-2-204(2)·Source retrieved 2026-07-27
Open the wrongful death calculatorMont. Code Ann. 39-71-601·Last reviewed 2026-07-28
Open the workers compensation calculatorMont. Code Ann. § 27-2-204·Source retrieved 2026-07-27
Open the slip and fall calculatorMontana against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Montana is one of them.
- Its 3 years to file is longer than the 2 years that 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Montana is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology