Montana car accident leads
Summit Leads supplies car accident leads in all U.S. states, Montana included, by real-time ping/post. Leads are exclusive by default and filter to the ZIP code. Montana gives three years to sue under MCA 27-2-204 (2025), and a claimant recovers if their negligence is not greater than the defendants' combined.
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Montana facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance requirement | Every driver must carry liability insurance (Commissioner of Securities and Insurance, as of October 7, 2026)Auto insurance Montana Commissioner of Securities and Insurance |
| Minimum bodily injury liability | $25,000 for one person and $50,000 for two or more persons in one accident (MCA 61-6-103, 2025)MCA 61-6-103, Motor vehicle liability policy minimum limits (Montana Code Annotated 2025) Montana Legislature |
| Minimum property damage liability | $20,000 per accident (MCA 61-6-103, 2025)MCA 61-6-103, Motor vehicle liability policy minimum limits (Montana Code Annotated 2025) Montana Legislature |
| Uninsured motorist coverage | Provided unless the policyholder signs a form declining it (Commissioner of Securities and Insurance, as of October 7, 2026)Auto insurance Montana Commissioner of Securities and Insurance |
| Personal injury statute of limitations | Three years (MCA 27-2-204(1), 2025)MCA 27-2-204, Tort actions: general and personal injury (Montana Code Annotated 2025) Montana Legislature |
| Comparative fault rule | No bar if the claimant's negligence was not greater than that of the person or combined persons sued (MCA 27-1-702, 2025)MCA 27-1-702, Comparative negligence (Montana Code Annotated 2025) Montana Legislature |
| Traffic fatalities | 208 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising rules | Montana Rules of Professional Conduct 7.1, 7.2 and 7.3 (last amended October 29, 2020)Montana Rules of Professional Conduct (last amended October 29, 2020; AF 09-0688) Montana Judicial Branch, State Law Library |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Liability first: how Montana insurance works for an injury claim
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Montana runs on liability coverage. The Commissioner of Securities and Insurance (as of October 7, 2026) puts it plainly: every Montana driver is required to carry liability insurance on their vehicle. Personal injury protection is not among the requirements the Commissioner lists, and claims for injury are made against the at-fault driver's liability coverage.
Uninsured motorist coverage is on by default. The Commissioner's page says that unless the policyholder signs a form stating they do not want it, the agent is required by law to provide it. A claimant hit by an uninsured driver may therefore have a claim under their own policy, which is why the other driver's insurance status is a useful field on a Montana lead.
Montana's three-year deadline and the combined-defendant fault test
Fault is compared with everyone sued. MCA 27-1-702 (Montana Code Annotated 2025) says contributory negligence does not bar recovery if it was not greater than the negligence of the person, or the combined negligence of all persons, against whom recovery is sought. Damages are then reduced in proportion to the claimant's own percentage.
The deadline is three years. MCA 27-2-204(1) (Montana Code Annotated 2025) sets that period for an action on a liability not founded on an instrument in writing, and subsection (2) gives three years for a wrongful death action, with ten years when the death results from a homicide.
Montana buyers read the crash description against the combined-defendant test, and the accident date against the three years.
Montana minimum liability limits
Each Montana motor vehicle liability policy must carry at least $25,000 for bodily injury to or death of one person, $50,000 for two or more persons in one accident, and $20,000 for injury to or destruction of property of others, under MCA 61-6-103 (Montana Code Annotated 2025). Coverage applies within the United States and Canada.
Montana traffic fatalities
NHTSA counts 208 traffic deaths in Montana for 2023 in the FARS state fatality table; 2023 is the latest year this page treats as final. FARS does not count non-fatal injury crashes.
Montana rules on lawyer advertising and client contact
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Montana's rules come from the Montana Supreme Court and are posted by the State Law Library. The Montana Rules of Professional Conduct (last amended October 29, 2020) cover marketing in these rules:
- Rule 7.1, Communications Concerning a Lawyer's Services.
- Rule 7.2, Communications Concerning a Lawyer's Services: Specific Rules. Paragraph (b) says a lawyer "shall not compensate, give, or promise anything of value" for a recommendation, with listed exceptions.
- Rule 7.3, Direct Contact with Prospective Clients. Paragraph (b) adds limits where the person cannot exercise reasonable judgment in employing a lawyer, or where the lawyer reasonably should know the person already has a lawyer.
The listing above is for reference. Each buying firm decides with its own counsel how these rules bear on any lead source it uses.
What buyers in Montana filter on
Montana orders are usually built from these fields:
- Crash description and fault answers: read against the combined-defendant test in MCA 27-1-702.
- Accident date: time left under MCA 27-2-204.
- Other driver's insurance: liability claim or uninsured motorist claim.
- Injury and treatment: type of injury and where care was received.
- Representation status: whether the claimant already has a lawyer.
- ZIP code: coverage set around the towns and counties a firm serves.
Where buyers filter in Montana
Montana's five metropolitan areas in the Census Bureau's Vintage 2025 estimates are listed below by population. Buyers pick ZIP codes inside these areas or anywhere else in the state.
- Billings: 193,603 (July 1, 2025 estimate)
- Bozeman: 128,740 (July 1, 2025 estimate)
- Missoula: 128,698 (July 1, 2025 estimate)
- Helena: 97,153 (July 1, 2025 estimate)
- Great Falls: 85,029 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Montana car accident leads
Each Montana car accident lead arrives with the consumer's TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. The Montana row of the state telemarketing laws table covers state calling rules, and leads in Montana covers MVA and home improvement buying in the state side by side.
Montana car accident lead questions
What liability minimums does Montana set in MCA 61-6-103?
MCA 61-6-103 (Montana Code Annotated 2025) sets $25,000 for one person, $50,000 for two or more persons in one accident, and $20,000 for property damage.
Can a Montana driver decline uninsured motorist coverage?
Only in writing. The Montana Commissioner of Securities and Insurance says the agent must provide uninsured motorist coverage unless the policyholder signs a form stating they do not want it.
Which Montana Rules of Professional Conduct apply to lawyer marketing?
Rule 7.1 (Communications Concerning a Lawyer's Services), Rule 7.2 (Communications Concerning a Lawyer's Services: Specific Rules) and Rule 7.3 (Direct Contact with Prospective Clients). This is general information, not legal advice.
Can a buyer take Montana leads around Billings and Bozeman only?
Yes. Filters work by ZIP code, so a buyer can choose the ZIP codes around one or two cities, or the whole state. Leads are exclusive by default, with shared delivery on request.
Request Montana car accident leads
Email us the Montana ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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