Okay, so here's a hypothetical. Say I'm driving through Billings, minding my own business, but then bam—I accidentally rear-end someone at a stoplight. Totally my fault, no injuries thankfully, just some bumper damage. I'm insured and everything, but honestly I've never really understood how liability coverage works here in Montana. Like, um, would my insurance cover their repairs completely or could I still be on the hook for something? Just curious how this usually plays out.
I've always wondered about this too, especially since I'm planning a road trip through Montana next summer. From what I've read, liability coverage usually kicks in for the other person's repairs if you're at fault, but does it always cover everything completely? Like, what if the other driver decides to go to a super expensive body shop or something—would your insurance still cover the full cost, or could you end up paying extra out-of-pocket? Also, does anyone know if Montana has specific minimum coverage limits that might affect how much your insurance pays out? I mean, I always try to carry more than the minimum just to be safe, but it'd be good to know exactly what I'm dealing with before hitting the road...
"Like, what if the other driver decides to go to a super expensive body shop or something—would your insurance still cover the full cost?"
Usually your insurance will negotiate with the shop to keep costs reasonable, so you probably won't get stuck paying extra. But yeah, Montana does have minimum limits...I'd bump coverage up a bit just for peace of mind.
