Skip to main content

Montana Personal Injury Laws

Montana follows a modified comparative fault system with a 51% bar, meaning you can recover damages as long as your fault does not exceed that of the defendant(s). Montana is a traditional tort (fault-based) state for auto insurance. The general statute of limitations for personal injury is 3 years.

Last verified: 2026-02-25

Statute of Limitations

Personal injury claims must be filed within 3 years of the date of injury or the date the injury was or should have been discovered.

Exceptions

Discovery Rule3 years from discoveryMont. Code Ann. § 27-2-204

Montana applies the discovery rule: a cause of action accrues when the plaintiff first discovers, or through reasonable diligence should have discovered, the injury.

MinorsTolled until age 18, then standard periodMont. Code Ann. § 27-2-401

The statute of limitations is tolled for minors until they reach age 18, at which point the standard limitation period begins to run.

Wrongful Death3 years from date of death (10 years if homicide)Mont. Code Ann. § 27-2-204(2)

Wrongful death actions must be filed within 3 years of the date of death. If the death resulted from a homicide, the period is extended to 10 years.

Intentional Torts2 yearsMont. Code Ann. § 27-2-204(3)

Actions for libel, slander, assault, battery, false imprisonment, or seduction must be filed within 2 years.

Fault & Liability Rules

Modified Comparative Fault (51% Bar)Mont. Code Ann. § 27-1-702

You can recover damages as long as your negligence is not greater than that of the defendant(s). Your recovery is reduced by your percentage of fault. If you are 51% or more at fault, you recover nothing.

Damage Caps

Compensatory Damages: No cap

Montana does not impose a statutory cap on compensatory damages in general personal injury cases.

Punitive Damages: $10 million or 3% of defendant's net worth, whichever is lessMont. Code Ann. § 27-1-220(3)

Punitive damages require clear and convincing evidence of actual fraud or actual malice. The award may not exceed $10 million or 3% of the defendant's net worth, whichever is less. This cap does not apply to class actions. The court splits the award equally between the plaintiff and the state.

Auto Insurance System

Tort (Fault-Based)Mont. Code Ann. § 61-6-103

Montana is a fault-based (tort) state. The at-fault driver is responsible for the other party's damages. Montana requires minimum liability coverage of 25/50/20 ($25,000 per person bodily injury, $50,000 per accident bodily injury, $20,000 property damage).

Key Montana Statutes

Joint and Several LiabilityMont. Code Ann. § 27-1-703

A defendant whose negligence is greater than 50% is jointly and severally liable for all damages. A defendant whose negligence is 50% or less is only severally liable for their proportional share.

When a person dies due to the wrongful act or neglect of another, the heirs or personal representative may bring an action for damages including loss of companionship, comfort, and support.

Montana applies strict liability for product liability claims. A product seller is liable if the product was in a defective condition unreasonably dangerous to the user or consumer.

Official Sources

Not Legal Advice

This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Montana State Legislature. For advice about your specific situation, consult a licensed attorney.

Other Montana Laws

Criminal Defense Laws·Family Laws·Immigration Laws·Employment Laws·Bankruptcy Laws·Medical Malpractice Laws·Workers' Compensation Laws·Social Security Disability Laws·Estate Planning Laws·Real Estate Laws·Landlord & Tenant Laws·Business Laws·Intellectual Property Laws·Tax Laws·Elder Laws·Civil Rights Laws·Domestic Violence Laws·Veterans Legal Services Laws·Healthcare & Benefits Laws