When you get a driver's license and register your car in Montana, you enter into a social contract with the state and all of the other drivers with whom you share the road. It's a contract that says you will follow traffic laws and look out for your safety and the safety of the other motorists around you.
That includes carrying insurance that will provide compensation for the damages to the cars and the injuries of those involved. There are even penalties in place for those who don't carry it. Still, many Montanans continue to drive our roads without that societal safety net.
A study from the Revenue and Transportation Interim Committee found that Montana has a higher rate of uninsured drivers than all of our neighbors. Our rate is 15 percent, a full 1.2 percentage points above the national average of 13.8. By comparison, North Dakota's uninsured rate is at five percent while Wyoming and South Dakota stand at nine and seven percent, respectively.
What does that mean for you? It means that if you are in an accident in Montana, you have a higher chance of encountering someone who has no vehicle insurance. That could leave you stuck with the burden of medical costs, vehicle repairs, lost wages and rehabilitation.
If you've been involved in an accident of this type, you may want to consider speaking with an attorney in Montana. An attorney can deal with the insurance companies, negotiating, litigating and arbitrating to get you the compensation you need.