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What is Montana SR22 Insurance?
Montana SR22 car insurance is one way the state of Montana is able to keep track of drivers that have not continuously proven financial responsibility by having car insurance. It is also required for “high-risk” drivers.
Who Needs SR22 Insurance in Montana?
Any driver that has had a lapse in their insurance policy will be required to keep a Montana SR-22 car insurance form on file with the State for three years. In addition, any driver that has received a DUI offense or has had their license suspended for too many moving violations will also be required to carry Montana SR22 auto insurance.
Are There Different Types of Montana SR22 Forms?
There are three different Montana SR-22 auto insurance forms that can be filed. One is the Operator’s Certificate. This is filed when a driver does not own a motor vehicle. The second type is filed when the driver does own a vehicle; this is the Owner’s Certificate. If the driver owns more than one vehicle the Operator-Owner’s Certificate is used.
Is SR22 Insurance Required in Montana?
The simple answer is yes, if a driver falls into one of the categories that require it, then they must file it. The minimum insurance requirement that must be maintained at all times is $25,000 for one person’s injuries, $50,000 for two or more persons injured and $10,000 for property damage. There are other options to an SR22 though. If the driver has a licensed business in Montana, or can use their real property as a surety bond, or deposits $55,000 with the State Treasury Department, they can choose to not file a Montana SR-22 car insurance form.
How Do I File a Montana SR22 Insurance Form?
To file an SR22 in the state of Montana you will need to request one from your insurance company. They will charge as additional fee to your insurance policy and send the form to the Secretary of State within 30 days. To get a free quote on the fee for a MT SR22 insurance enter your information.