Montana Car Accident Settlement Calculator
Estimate your car accident settlement instantly. Our free calculator applies your state's comparative negligence laws, damage caps, and real case data to your motor vehicle accident — your specific injuries, medical costs, and lost wages under Montana's specific laws.
What's My Montana Case Worth?Quick & easy · Takes 2 minutes · 100% free
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 2.7 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
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.
The statute of limitations for this type of claim in Montana is 3 years — in line with the national average of 2.7 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 2026-08-30. 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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Answer a few questions about your situation. Our calculator applies Montana's specific laws and real case data to estimate your settlement value instantly.
What's My Montana Case Worth?