Montana: Crashes, Insurance & License Actions Questions
7 real, verified Montana driving-test questions on crashes, insurance & license actions, each with the correct answer and a full explanation below. Want to practice these interactively instead? Start a Crashes, Insurance & License Actions practice round.
1. What's Montana's minimum liability insurance requirement for bodily injury to one person?
Why: Montana requires liability insurance minimums of $25,000 for bodily injury/death of one person, $50,000 for two or more people, and $10,000 for property damage, in any one accident.
2. What must a Montana motorist show after being stopped for a traffic violation, besides a license and registration?
Why: A Montana motorist stopped for a violation or involved in a collision must show evidence of insurance to law enforcement, in addition to a driver license and registration; proof must be carried at all times.
3. How many points does a first uninsured-driving offense add to a Montana driving record?
Why: Driving without valid liability insurance in Montana is a misdemeanor with a $250-$500 fine or up to 10 days in jail, plus 5 points against the driving record; repeat offenses add registration suspensions.
4. How long can a Montana license/registration suspension last if a court-ordered fine goes unpaid?
Why: If a court finds a Montana driver responsible for damages and they fail to pay within 60 days, their license and registration are suspended until the fine is paid or 6 years have elapsed.
5. How many registered vehicles must a Montana owner have to qualify as a self-insurer?
Why: Owners of more than 25 motor vehicles registered in Montana may qualify as self-insurers under state law, rather than carrying a standard liability insurance policy.
6. What does the Montana Insurance Verification System (MTIVS) do?
Why: MTIVS is an online system that cross-references vehicle registration records against insurance company data to confirm in real time whether a vehicle carries Montana's minimum required liability coverage.
7. Which of these does the manual specifically cite as a way to lose your Montana driver's license?
Why: A Montana license is a privilege that can be suspended, revoked, or cancelled -- the manual cites impaired driving, distracted driving, driving on a suspended/revoked license, and being a minor in possession.
More Montana Topics
- DUI & Alcohol Laws (5)
- Licensing Procedure & Documents (8)
- Minor & Provisional Licensing (10)
- Rules of the Road (8)
Rules and requirements change — always confirm current details with Montana MVDbefore your exam. Take the full Montana practice test or check the Montana cheat sheet.