Bill > SB290

This bill revises Montana's insurance laws to explicitly include underinsured motorist coverage alongside existing uninsured motorist coverage provisions. The bill amends two sections of Montana law, requiring motor vehicle liability insurance policies to offer both uninsured and underinsured motorist coverage for vehicles registered in the state. It provides specific definitions for these terms: an "uninsured motor vehicle" is a vehicle without bodily injury liability insurance at the time of an accident, while an "underinsured motor vehicle" is a vehicle with liability insurance limits lower than the total damages an injured person is legally entitled to recover. The bill allows policyholders to reject this coverage, similar to existing uninsured motorist coverage provisions. Additionally, the bill updates insurance requirements for transportation network carriers (like ride-sharing services), mandating that their drivers maintain motor vehicle liability insurance that includes both uninsured and underinsured motorist coverage in various driving scenarios, such as when logged into a digital network or during an actual ride. These changes aim to provide more comprehensive protection for drivers and passengers in the event of accidents involving vehicles with insufficient or no insurance coverage.

Transportation and Infrastructure

https://bills.legmt.gov/#/laws/bill/2/LC0661