MT · Accidents & Injuries

Accidents & Injuries in Montana

By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026

Key Montana Law

Montana Code Annotated Section 27-2-204

Montana imposes a three-year statute of limitations for personal injury claims arising from accidents. An injured party must generally file their lawsuit within three years of the date of the accident.

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Procedural Details in Montana

Montana applies modified comparative fault with a 51% bar under Montana Code Annotated Section 27-1-702. A plaintiff who is 51% or more at fault is barred from recovery. Montana is a traditional tort (fault-based) auto insurance state. Montana does not impose a general cap on compensatory damages in most personal injury cases. Government claims against Montana state agencies require notice under the Montana Governmental Entities Immunity Act (MCA 2-9-301 et seq.), generally within two years. Montana Code Annotated Section 25-9-411 governs punitive damages, which require clear and convincing evidence of actual fraud or actual malice.

Montana Agencies & Resources

Montana Commissioner of Securities and Insurance

Regulates insurance companies in Montana and handles consumer complaints about auto and accident insurance.

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Montana Motor Vehicle Division

Manages Montana driver licensing, vehicle registration, and accident report records.

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State Bar of Montana — Lawyer Referral Service

Provides referrals to Montana-licensed personal injury attorneys.

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Frequently Asked Questions

How long do I have to file a personal injury lawsuit in Montana?

Montana Code Annotated Section 27-2-204 provides a three-year statute of limitations for personal injury claims. Government entity claims may be subject to different notice requirements under MCA 2-9-301. As with all jurisdictions, meeting any applicable notice deadlines for government claims is critically important.

What is Montana's 51% modified comparative fault rule?

Under Montana Code Annotated Section 27-1-702, Montana uses modified comparative fault with a 51% bar. If you are 50% or less at fault, you can recover damages proportionally reduced. If you are found 51% or more at fault, you are completely barred from recovering any compensation from the other party.

Is Montana a no-fault auto insurance state?

No. Montana is a traditional tort (fault-based) state. The at-fault driver's liability insurance compensates injured parties. Montana does not require mandatory personal injury protection (PIP) coverage.

Are there damage caps in Montana accident cases?

Montana does not impose a general cap on compensatory damages for most personal injury accident claims. Punitive damages in Montana require clear and convincing evidence of actual fraud or actual malice under MCA 25-9-411. Government entity claims may be subject to immunity limitations under Montana's Governmental Entities Immunity Act.

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By CanISueForThis Editorial Team Reviewed by Editorial Team Updated March 21, 2026