MT DMV Financial Responsibility and Insurance Requirements 1 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage required per person in Montana?
- $25,000 (Correct answer)
- $50,000
- $10,000
- $100,000
Correct answer: $25,000
Montana law requires a minimum of $25,000 bodily injury liability coverage per person involved in an accident.
Question 2: What is the minimum bodily injury liability coverage required per accident in Montana?
- $25,000
- $75,000
- $50,000 (Correct answer)
- $100,000
Correct answer: $50,000
Montana requires at least $50,000 per accident in bodily injury liability, part of the state's 25/50/20 minimum coverage.
Question 3: What is the minimum property damage liability coverage required in Montana?
- $10,000
- $20,000 (Correct answer)
- $25,000
- $50,000
Correct answer: $20,000
Montana's minimum property damage liability coverage is $20,000, completing the required 25/50/20 coverage limits.
Question 4: What does an SR-22 certificate filed with the Montana DMV certify?
- Vehicle ownership transfer
- Proof of financial responsibility (Correct answer)
- Completion of a driver's education course
- Vehicle safety inspection
Correct answer: Proof of financial responsibility
An SR-22 is a certificate filed by your insurance company with the DMV that certifies you carry the required minimum financial responsibility (insurance).
Question 5: How long must a driver typically maintain an SR-22 filing in Montana after a qualifying offense?
- 1 year
- 2 years
- 3 years (Correct answer)
- 5 years
Correct answer: 3 years
Montana generally requires drivers to maintain SR-22 filing for 3 years following a suspension or serious traffic offense.
Question 6: Which of the following is NOT an acceptable proof of financial responsibility in Montana?
- Liability insurance ID card
- Certificate of self-insurance
- Surety bond
- Bank credit card statement (Correct answer)
Correct answer: Bank credit card statement
A bank credit card statement is not a recognized form of financial responsibility; acceptable forms include insurance ID cards, self-insurance certificates, and surety bonds.
Question 7: What is one potential consequence of being caught driving without insurance in Montana?
- Verbal warning only
- Fine and possible license suspension (Correct answer)
- Automatic vehicle impoundment for 90 days
- Mandatory jail sentence of 30 days
Correct answer: Fine and possible license suspension
Driving without insurance in Montana is a misdemeanor that can result in a fine and suspension of driving privileges.
MT DMV Financial Responsibility and Insurance Requirements 1
What is the minimum bodily injury liability coverage required per person in Montana?