General Insurance

Can insurance be force-placed if we did not have coverage on the new vehicle for three months last year?

Yes, many lenders have this written into their agreements and you will get charged for any time not insured. In most cases, they will force-place insurance on the vehicle of their own and charge you for it unless you can provide proof that you were insured during those months.
Jun 30, 2020 Billings, MT

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Coverage & Claims

We had an accident while towing someone else's car. Whose insurance pays for the damage?

Whose company pays for the towing damage will be very specific to which insurer you have a policy with. Many companies will not cover any type of towing equipment without a special endorsement.
Feb 17, 2020 Choteau, MT

Coverage & Claims

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.
Nov 27, 2019 Missoula, MT

General Insurance

How do I purchase insurance if I own a car but someone else will drive it?

You may be able to find a company that will insure you without a license and you would then list the person who will be driving your car on the policy. If you can't find an insurer that will insure you without a license, then the person who will be driving can get a policy in their name and list you as an excluded driver and additional interest on the policy since you have a financial claim to the car.
Aug 7, 2019 Billings, MT

Car Insurance Costs

Will being an older driver with poor credit affect my car insurance rates?

You are correct in that having a poor credit history will raise your rates. Age can be a factor as well.
May 31, 2019 Glasgow, MT

Eligibility

Temporary car insurance for foreign driver in US

Since you will be driving your friend's car, you will need to be listed on their insurance policy as a driver. Since your friend is the owner of the car, they are required to maintain insurance on it.
Dec 30, 2018 Bozeman, MT

Car Insurance Costs Coverage & Claims

If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?

The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Apr 29, 2017 Bozeman, MT

General Insurance

Why does my wife with a suspended driver license have to be on my car insurance?

Even though your wife isn't supposed to drive, she still has regular access to the vehicle. Your spouse must be listed to account for a person of driving age that lives in your house.
Apr 3, 2017 Brookfield, MO
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