If you own a car then it is mandatory that you have a car insurance policy. Depending on the state you live in, the policies and minimum coverage amounts might vary. If you are currently residing in Montana, you would want to more about the current Montana car insurance policies. It is important that you know about the minimum coverage rates so that it allows you to buy suitable insurance policies. You must also know more about the laws so that you are able to take an informed decision and a low insurance scheme. Recently it has been declared that leaving behind an automobile on defrost mode invalidates car insurance policy.

Penalty for not having insurance
There are very serious consequences for not having car insurance in Montana. You could be charged up to $500 as a fine while 5 points could be added to your license. A total of 30 points could lead to automatic revocation of your license. To top it off you could also be sent behind bars for a period of 10 days. If found a second time without a license, you will pay a higher fine, or go to jail for another 10 days and have your license suspended for 90 days.

Minimum coverage requirements
In this state you are required to have bodily injury liability coverage of a minimum of $25,000 per person and $50,000 per accident. The bodily injury liability car insurance will ensure that all the medical expenses of all occupants of the car will be covered. Property damage car insurance is also required which is a minimum of $10,000 which pays for any kind of property damages that occur during the accident. These costs may keep increasing over the years, and it is necessary that you keep a tab on the same and upgrade them.

There are a few optional insurance policies like collision and comprehensive car insurance coverage and personal injury protection car insurance coverage. These are not mandatory by the state laws but they will cover additional expenses like medical bills, lost wages, replacement after the accident, and damages to your vehicle, amongst others. The personal injury protection car insurance coverage will pay for these even if you are found to be the cause of the accident.

If you want to find out more about car insurance laws and requirements and tips and advice, visit CarInsurance.org.