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LC 2815

Create the uninsured morotist victim fund

2025 Regular Session

Montana proposes creating an uninsured motorist victim compensation fund to provide financial relief to people injured by drivers without insurance coverage.

(LC) Draft Died in Process
#insurance #motorvehicles #statefinance #transportation
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Bill Summary · LC 2815

Legislative bill overview

LC 2815 proposes creating an uninsured motorist victim fund in Montana to provide compensation to individuals injured or harmed by drivers without insurance. The fund would establish a financial mechanism to help victims recover damages when at-fault drivers lack auto insurance coverage. This addresses a gap in victim protection when traditional liability insurance is unavailable.

Why is this important

Uninsured motorist accidents create situations where injured parties have limited recourse for medical expenses, lost wages, and other damages. An estimated 12-15% of Montana drivers operate without insurance, making this a tangible public safety concern. Such a fund could reduce the burden on victims' personal assets and the healthcare system while incentivizing insurance compliance.

Potential points of contention

  • Funding mechanism: How the fund would be financed (surcharges on insurance premiums, vehicle registrations, general revenue, or penalties) affects cost distribution across drivers and the state
  • Eligibility and payout limits: Determining which victims qualify, coverage caps, and claim processes could create disputes over fairness and adequacy of compensation
  • Moral hazard concerns: Critics may argue the fund could reduce uninsured drivers' incentive to obtain insurance or could be exploited through fraudulent claims

Compiled from official sources — confirm details with the bill’s official record.

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