Montana
Your AI Accident Assistant for Montana.
We handle Montana property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How Montana treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $7,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
Owner can choose.
Hop v. Safeco Ins. Co. of Ill., 2011 MT 215, 261 P.3d 981 (Mont. 2011) — first-party DV is an OPEN QUESTION (neither recognized nor rejected)
Mont. Code Ann. § 33-17-101 et seq. (Insurance Adjusters — UNIFIED, generic adjuster framework; NO separate Public Adjuster license class, bond, contract form, or fee cap; P&C line includes auto). MT is in the PA-UNDIFFERENTIATED / PA-CATEGORY-ABSENT cluster (with OR, ME).
Dive deeper into Montana
What Claimoe does for Montana claims
- · Drafts every adjuster email for your approval, with Montana-specific language and citations.
- · Calculates your diminished value using the 17c framework and Hop v. Safeco Ins. Co. of Ill., 2011 MT 215, 261 P.3d 981 (Mont. 2011).
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · Montana rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.