Many Montanans assume their own insurance company will treat them fairly because they pay premiums. The reality is that first-party claims — against your own policy — still require care, especially after a serious crash.
When You Claim Against Your Own Policy
You deal with your own insurer in several situations: uninsured or underinsured motorist (UM/UIM) claims, medical payments (med-pay) coverage, and comprehensive or collision claims. These first-party claims are governed by your policy and Montana law, and your insurer has its own financial interest in paying less.
Don't assume a first-party claim is automatic or easy just because it's your company.
UM/UIM: Your Safety Net
Uninsured/underinsured motorist coverage protects you when the at-fault driver has no insurance or not enough. Given how many drivers carry only minimum coverage, UM/UIM is one of the most valuable protections a Montanan can have. But insurers may still dispute the value of these claims.
Reviewing your coverage now, before you need it, is one of the smartest things you can do.
The Duty of Good Faith
Montana law requires insurers to handle claims in good faith and to deal fairly with their policyholders. When an insurer unreasonably delays, denies, or underpays a valid claim, it may be acting in bad faith, which can have consequences. You don't have to simply accept unfair treatment from your own carrier.
Documenting your interactions and keeping records helps if a dispute arises over how your claim was handled.
Get Help With a First-Party Claim
If your own insurer is dragging its feet or lowballing a UM/UIM or other claim, you don't have to fight alone.
Call 973-566-5599 for a free review.
Frequently Asked Questions
They're required to act in good faith, but they also have a financial interest in paying less. First-party claims still require care, and you can get help if you're treated unfairly.
Uninsured/underinsured motorist coverage pays when the at-fault driver has no insurance or too little. It's one of the most valuable protections for Montana drivers.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Montana attorney. Injury Claim Team is a legal referral and lead-generation service, not a law firm.