Montana auto policies would cover injuries from underinsured drivers unless rejected

Insurers would include coverage protecting insured people injured by uninsured or underinsured drivers unless the named policyholder rejects it. This applies to auto liability policies issued for delivery in Montana for vehicles registered and mainly kept there. It protects insured people legally entitled to damages for injury or death from drivers with no insurance or insurance limits below the damages owed. A renewal with the same insurer could omit previously rejected coverage unless the named policyholder requests it in writing.

Rideshare drivers or companies would provide coverage protecting insured people injured by uninsured or underinsured drivers when required by the auto policy rules. This applies to rideshare drivers using personal vehicles. The driver's policy, the company's policy, or both could provide the coverage. The named policyholder could reject this coverage under the auto policy rules. Coverage would apply while drivers are logged on and available for requests or carrying out an arranged ride.