Montana is one of the least inhabited states with less than a million people according to the 2010 US Census, and yet has a land mass that ranks it as the 4th largest state. This disparity is good news for motorcyclists in Montana, because the available space to be able to explore is enormous, and the variety of terrain makes it a real pleasure to look around on two-wheels.
With all of that space however does come danger, because if you are involved in an accident, then hospitals might not always be close by, and you can end up with spiralling costs.
So it is essential that you get comprehensive, full coverage Montana Motorcycle Insurance so that you are properly protected financially and have easy access to the best possible treatment WITHOUT having to worry about the cost.
In this article I am going to be delving into Montana Motorcycle Insurance and talking about the best ways for you to get covered, and about the different considerations that you should bear in mind when you are looking to get Montana Motorcycle insurance cover that you can rely on in the state.
What are the state minimums for Montana Motorcycle insurance?
Montana is very unusual in that Motorcycle Insurance is not required by law (there are only three states in total that don’t require motorcycle insurance); but if you do decide to purchase motorcycle insurance in Montana (and you should!) then there are certain minimum standards and requirements that it must meet.
These cover property damage and bodily injury:
$25,000 – Bodily injury liability for one person
$50,000 – Bodily injury liability for a single accident
$10,000 – Property Damage Liability cover
These are usually referred to as 25/50/10.
In all honesty you would be very unwise not to get Montana Motorcycle Insurance because the state is not going to step in and pay your medical costs or the bills that you incur if you get sued by the other party after an accident.
Even the state minimums are quite low overall, and you should consider raising them so that you get a more comprehensive policy that is of more practical value.
What other factors should you consider before buying Montana Motorcycle Insurance?
There are a couple of issues to address before you buy a policy.
1/ How much cover should you buy?
With regards to how much cover you should buy you need to remember that this a balancing act between cost and benefit. Clearly larger amounts of cover are always going to be preferable, but all of us are weighing up the costs against the benefits at all times, and Montana Motorcycle Insurance is no different.
However, often you will find that you can substantially increase the amount of liability cover from the minimums and it won’t actually push up the price of the cover by all that much, so you should really at least be thinking of getting a couple of multiples of the basic minimums for liability cover.
2/ What cover should you buy?
Liability cover does not cover you for theft, and yet eight motorcycles are stolen EVERY MINUTE in the United States, so this is very far from a rare occurrence.
It also does not cover you for vandalism or fires or occurrences such as a tree branch falling on your bike (which is more likely in a state like Montana where there are plenty of trees!)
So it is a good idea to make your insurance full coverage insurance so that these factors are covered.
Additionally, you should also be sure to get underinsured driver cover and uninsured driver cover as about 15% of all drivers driver without insurance, and so it is essential to protect yourself against their recklessness.
(You can also check for additional legal requirements for Montana Motorcycle Insurance at the Montana Department of Insurance's website.)