A Resolution for the New Year: Checking Whether Your Auto Insurance Policy has Uninsured and Underinsured Motorist Coverage

Joel Krautter • January 12, 2026

As we begin 2026, it’s the perfect time to make sure you — and your loved ones — are truly protected if involved in an unexpected motor vehicle crash. While liability car insurance is required in Montana, there are still many drivers on the roadway who either lack insurance altogether, or are carrying only minimal coverage. Minimum coverage in Montana mandated by law is $25,000 per person bodily injury, $50,000 per accident bodily injury and $20,000 property damage.


What is Uninsured and Underinsured Motorist Coverage?


Uninsured Motorist (UM) Coverage is coverage that protects you if you're involved in an accident with a driver who has no insurance. A report from the Insurance Information Institute estimates that over 15% of drivers on the road in 2023 were uninsured. UM coverage protects you if the other driver has no insurance, or flees the scene (hit-and-run). Without UM, you may end up responsible for your own medical bills, lost wages, and vehicle repairs. Underinsured Motorist (UIM) Coverage protects you if you're involved in an accident with a driver who has insurance, but their coverage limits are insufficient to cover your losses. In 2026, a minimum $25,000 for bodily injury coverage won’t go that far in a serious crash between hospital bills, long-term treatment, lost wages, or permanent impairment — making that amount woefully insufficient. UIM coverage an fill the gap between what the at-fault driver’s insurer pays and what you actually need.


UM/UIM — Often an Affordable Safety Net


Insurance industry data suggests that adding UM or UIM coverage generally adds only a modest amount to an auto policy — typically around 10% or less of your combined premium — yet provides a significant layer of financial protection.


For most Montana drivers, that small extra cost is a worthwhile investment given the risk of being hit by an uninsured or underinsured motorist.


What Can You Do Today to Protect Yourself?


  • Review your auto policy now and confirm whether you have UM and/or UIM coverage so you’re not surprised when you need it.
  • If you don’t have UM/UIM coverage — or if you are unsure — contact your insurance agent and find out about adding UM/UIM coverage.
  • Consider raising your own insurance coverage limits beyond the bare minimum. Medical costs, rehabilitation, lost wages, and long-term disability easily exceed minimal liability thresholds.
  • If you or a loved one is injured in a crash — even if the other driver was uninsured or underinsured — contact experienced legal representation before discussing the case with insurers.


Final Thought


Unfortunately, a car accident can happen to anyone — no matter how careful you are. Having uninsured or underinsured motorist coverage ensures that if the worst happens, you are not left bearing the full financial burden alone.


Start 2026 by checking your auto insurance coverage today — and securing your financial safety net for tomorrow. If you have questions about UM/UIM coverage, what to do after a crash, or your rights under Montana law, feel free to reach out to us for a free consultation at 406-433-5511.

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