MVA and home improvement leads in Montana
MVA and home improvement leads in Montana are available from Summit Leads, exclusive by default. Montana is fault-based. A claimant is not barred if their negligence is not greater than the defendants' combined negligence, and injury suits have three years. From January 1, 2026, construction contractors need a state license from the Department of Labor and Industry.
Montana had 1,144,694 residents in the Census Bureau estimate for July 1, 2025. Drivers must carry liability insurance, injured people have three years to sue, and a claimant whose negligence is greater than the defendants' recovers nothing. On the home side, Montana moved construction contractors from registration to a state license on January 1, 2026. This page covers what that means for buyers.
Summit Leads supplies home improvement and MVA leads in Montana and checks for an active supplier there before a test. Buyers set filters down to the ZIP code. MVA and home improvement leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Montana lead supplyAlso available in Montana: plumbing leads, kitchen remodeling leads, home security leads, pest control leads, fencing leads and debt settlement leads.
Montana MVA leads: required liability, three years and the comparative fault bar
The Montana Commissioner of Securities and Insurance is blunt: "Every Montana driver is required to carry liability insurance on their vehicle. That's the law." Montana is fault-based, so the injured person claims against the driver who caused the crash and that driver's liability carrier. There is no personal injury protection threshold standing between the claimant and a claim for pain and suffering.
Fault is compared under MCA 27-1-702. Contributory negligence does not bar recovery "if the contributory negligence was not greater than the negligence of the person or the combined negligence of all persons against whom recovery is sought," and damages are reduced in proportion to the claimant's own negligence. A caller whose share of the blame is greater than the defendants' combined share takes nothing, so liability details (who was cited, which vehicle struck which, road and weather conditions on rural highways) carry real weight on a Montana lead.
Timing follows MCA 27-2-204(1): "the period prescribed for the commencement of an action on a liability not founded on an instrument in writing is within 3 years." Subsection (2) sets the same three years for wrongful death, with a longer period when the death results from a homicide. Buyers set a maximum accident age inside that window so their law firm clients have time to work the file.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages. How bought leads fit next to a firm's other intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary channels is covered in attorney lead generation.
Montana home improvement leads: 69.2 percent owners and the new contractor license
The Census Bureau puts the Montana owner-occupied housing unit rate at 69.2% for 2020-2024, and the median year structure built is 1981 in the ACS 5-year estimates for 2020-2024, so half of the state's housing units were built in 1981 or earlier. Homeowner confirmation screens out the renters, and a housing stock of that age produces roof, window and siding replacement alongside bathroom and flooring work.
Contractor rules changed recently. HB 239, Chapter 644 of the 2025 Laws, repealed the old construction contractor registration sections and transferred the program to a licensing program run by the Department of Labor and Industry, effective January 1, 2026. The department's notice says independent contractors without employees are among those exempt. Buyers that route Montana leads to contractor clients can ask those clients to confirm their license status under the new program.
For in-home sales, MCA 30-14-504 lets the buyer cancel a personal solicitation sale "until midnight of the third business day after the day on which the buyer has signed an agreement or offer to purchase." Contractors who close at the kitchen table should plan installs around that window.
Project types and filters are listed on the home improvement leads and roofing leads pages. To compare suppliers on the same basis, work out your cost per lead; the lead generation guide explains how the rest of the industry fits together.
Consent records for Montana leads
Each lead carries its 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 (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
Calls and texts to Montana consumers fall under the federal TCPA, and the consent record comes with every lead.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
State telemarketing rules for Montana are in the state telemarketing laws table.
Montana facts for lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Fault-based; every driver must carry liability insuranceAuto insurance Montana Commissioner of Securities and Insurance |
| Personal injury statute of limitations | Three years (MCA 27-2-204(1))MCA 27-2-204, Tort actions: general and personal injury Montana Legislature |
| Comparative fault rule | Modified: no bar if the claimant's negligence is not greater than the combined negligence of the defendants (MCA 27-1-702)MCA 27-1-702, Comparative negligence Montana Legislature |
| Contractor licensing | State construction contractor license from the Department of Labor and Industry from January 1, 2026; independent contractors without employees among those exemptHB 239 Notice to Construction Contractors Montana Department of Labor and Industry |
| Licensing statute | HB 239, Chapter 644, Laws of 2025 (replaces registration under MCA 39-9-201)HB 239 (2025), Chapter 644, Laws of 2025 Montana Legislature |
| Home solicitation cancellation | Until midnight of the third business day after signing (MCA 30-14-504)MCA 30-14-504, Buyer's right to cancel (personal solicitation sales) Montana Legislature |
| Population | 1,144,694 (July 1, 2025, Vintage 2025 estimate)QuickFacts: Montana U.S. Census Bureau |
| Owner-occupied housing unit rate | 69.2% (ACS 2020-2024)QuickFacts: Montana U.S. Census Bureau |
| Median year structure built | 1981 (ACS 5-year 2020-2024)Table B25035, Median Year Structure Built: Montana (ACS 5-Year 2020-2024) U.S. Census Bureau |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Montana lead buying questions
Is Montana an at-fault state for car accidents?
Yes. Every Montana driver must carry liability insurance, and the injured person claims against the driver who caused the crash.
How long do Montana accident victims have to file suit?
Three years under MCA 27-2-204(1). Buyers set a shorter accident age limit so their clients have time to investigate.
Can a partly at-fault Montana claimant recover?
Yes, if their negligence was not greater than the negligence of the defendant or the combined negligence of all defendants. Damages are reduced by the claimant's share.
Do Montana contractors need a state license?
From January 1, 2026, HB 239 moved Montana construction contractors from registration to a license issued by the Department of Labor and Industry. Independent contractors without employees are among those exempt.
Can a Montana homeowner cancel an in-home sale?
Yes. Under MCA 30-14-504, a buyer may cancel a personal solicitation sale until midnight of the third business day after signing. This is a summary for education, not legal advice.
Can we buy Montana leads by ZIP code?
Yes. Summit Leads supplies home improvement and MVA leads in Montana, with a check for an active supplier there before a test, and buyers choose the states or ZIP codes they buy in.
Request Montana lead supply
Tell us the verticals you buy in Montana, the ZIP codes you cover, your daily volume 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 discussed on the onboarding call and agreed before going 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.
Or write to team@summitleads.ai. We reply by email.
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