Montana Car Accident Settlement Calculator
Under Montana's modified comparative fault system, motor vehicle accident claimants can recover as long as their fault does not exceed 50%. Your damages are reduced by your fault percentage, and the critical question in every Montana car accident case is whether the at-fault driver bears the majority of responsibility.
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In Montana, you generally have 3 years to file a car accident claim. What your case is worth depends on your specific damages and Montana's laws — use the calculator below for a free estimate of your low-to-high range.
Key Montana Laws
| Filing Deadline | 3 years in line with the national average of 2.8 years |
|---|---|
| Negligence System | Modified Comparative Fault (51% Bar) |
| Insurance System | Tort (At-Fault) Can sue the at-fault driver directly |
| Min. Liability Coverage | 25/50/20 BI per person / BI per accident / PD (in thousands) |
How Montana Law Affects Your Car Accident Case
The statute of limitations for this type of claim in Montana is 3 years — in line with the national average of 2.8 years. This is a standard timeframe, but acting sooner preserves evidence and strengthens your position. Importantly, Montana recognizes a discovery rule, which can extend the filing window in cases where the harm was not immediately apparent.
Drivers in Montana must carry at least 25/50/20 in liability coverage — that’s $25K bodily injury per person, $50K per accident, and $20K property damage. While this meets the state minimum, a single ER visit can easily exceed these limits. The at-fault driver’s policy may not fully cover your losses in a serious accident.
Steps After a Car Accident in Montana
After a car accident in Montana, your immediate steps should include: documenting the scene with photos and video, exchanging insurance information with all parties, filing a police report, and seeking medical attention within 24–72 hours even if you feel fine — some injuries take days to manifest. You have 3 years to file a lawsuit, but evidence preservation and witness availability degrade over time.
How Does Montana Compare?
Montana Car Accident FAQs
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Legal Disclaimer
This calculator uses Montana's statutes as of 2026-03-06. Laws change frequently. This tool provides estimates for informational purposes only and does not constitute legal advice. Verify current rules with a Montana-licensed attorney before making decisions about your case. Learn about our methodology.
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