Insurance and Verification – Montana Department of Justice

Montana ’ s Minimum Liability Insurance Law for Motor Vehicles

Montana law requires that a motor vehicle operated on public roads be insured by a liability insurance policy that meets the submit ’ randomness minimum coverage limits in § 61-6-103, MCA :
$25,000 because of bodily wound to or death of one person in any one accident and subject to the limit for one person ;
$50,000 because of bodily wound to or death of two or more persons in any one accident ; and
$20,000 because of injury to or end of property of others in any one accident .
Under Montana law, motorists stopped for a traffic trespass or involvement in a motive vehicle collision are required to show proof of indemnity to law enforcement, in addition to displaying their driver license and vehicle registration.

In order to help enforce this law, the Montana Legislature enacted legislation that authorized creation of an on-line motor vehicle liability indemnity verification system. § 61-6-157, MCA directs the Montana Department of Justice to establish a motor vehicle indemnity verification system capable of confirming that vehicle owners and operators on Montana roadways are in complaisance with fomite liability policy requirements. The Montana Insurance Verification System ( MTIVS ) was implemented to fulfill this requirement.

Montana Insurance Verification System ( MTIVS )

MTIVS uses data from Montana vehicle registration records and from insurance companies that write policies in Montana to entree up-to-the-minute data to confirm if a fomite has minimum liability policy coverage .
Individuals can nowadays verify their own indemnity condition using MTIVS.com. Individuals will need the Vehicle Number found on the Registration Card or on the Registration Renewal Notice, angstrom well as the plate count .
In May 2012, the Montana Highway Patrol began using the MTIVS web service to electronically verify proof of vehicle liability insurance during traffic stops. Use of the web military service assists troopers and motorists in situations where drivers either can ’ thyroxine find their proof of policy menu or have an exhale circuit board. The web service besides gives troopers the ability to confirm the cogency of a proof of policy card based on the reception received from the issuing policy caller. Troopers may besides use MTIVS to electronically verify that indebtedness indemnity was in effect at the time of an accident.

Highway Patrol troopers, like officers from early jurisprudence enforcement agencies, have the free will to make enforcement decisions, such as whether to issue a citation or admonition, or neither, based on information gathered during a traffic diaphragm or accident investigation. The new MTIVS service does not alter that habit of officeholder discretion – it plainly allows troopers to base their decisions on authentic, real-time indemnity data .
Insurance verification capabilities were extended to local courts in August 2012, and MTIVS access was expanded to other Montana law enforcement agencies later that summer. This indemnity confirmation system is used by the Motor Vehicle Division and County Treasurers for motor vehicle entitle and adjustment transactions .
The ultimate goal of this system is to reduce the count of drivers in Montana who do not carry liability indemnity as required by Montana police. Uninsured drivers are a unplayful problem, undermining traffic condom and driving up the costs for guarantee, law-abiding motorists. real-time insurance verification makes the roads safer for everyone.

Vehicle Insurance Laws

Laws covering centrifugal vehicle insurance province and verification can be found in the § 61-6, MCA .
Laws covering certificates of entitle, registration, and tax of centrifugal vehicles can be found in the § 61-3, MCA .
For extra information about Montana car insurance laws, visit the Commissioner of Securities and Insurance web site.

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