MT DMV Financial Responsibility and Insurance Requirements 2

Question 1

In Montana, which type of liability coverage is required by law for all registered vehicles?

Accepted Answer

Bodily injury and property damage liability

Answer

Comprehensive coverage

Answer

Collision coverage

Answer

Uninsured motorist coverage

Question 2

What may happen to your vehicle registration if your insurance lapses in Montana?

Accepted Answer

Your registration may be suspended

Answer

Nothing; insurance and registration are unrelated

Answer

Only a small administrative fee is charged

Answer

You must retake the written driver's test

Question 3

Which offense most commonly triggers an SR-22 requirement in Montana?

Accepted Answer

DUI conviction or driving with a suspended license

Answer

Parking in a fire lane

Answer

Speeding 5 mph over the limit

Answer

Failure to signal a lane change

Question 4

A surety bond used as proof of financial responsibility in Montana must be issued by:

Accepted Answer

A surety company authorized to do business in Montana

Answer

Any friend or family member willing to sign

Answer

The Montana DMV directly

Answer

The federal government

Question 5

If you are involved in a vehicle accident in Montana while uninsured, the DMV may:

Accepted Answer

Suspend your driving privileges

Answer

Issue a warning and take no further action

Answer

Only charge a $25 processing fee

Answer

Require you to attend a driver improvement class

Question 6

Which drivers are subject to Montana's financial responsibility (insurance) law?

Accepted Answer

All drivers operating motor vehicles on public roads

Answer

Only commercial vehicle operators

Answer

Only drivers under age 25

Answer

Only drivers who have had prior accidents

Question 7

Uninsured motorist coverage in Montana is:

Accepted Answer

Optional but strongly recommended

Answer

Mandatory for all vehicle owners

Answer

Automatically included in all basic liability policies

Answer

Only required for commercial drivers