Montana Code Annotated Title 33 Chapter 23

What this document is

Montana Code Annotated Title 33 Chapter 23 - Casualty Insurance (33-23-101 through 33-23-526) is a state statute published by Montana Legislative Services Division (mca.legmt.gov). It is one of the Montana documents that insurance license exam questions are written from, including montana property & casualty, montana personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Mont. Code Ann. Sec. 33-23-201(2) (Motor vehicle liability policies to include uninsured motorist coverage, rejection by insured)

  “The named insured has the right to reject the coverage. Unless the named insured requests the coverage in writing, the coverage need not be provided in or supplemental to a renewal policy when the named insured had rejected the coverage in connection with the policy previously issued to the named...”

• Mont. Code Ann. Sec. 33-23-204(2) (Definitions)

  “"Motor vehicle liability policy" means a policy of automobile or motor vehicle insurance against liability required under Title 61, chapter 6, parts 1 and 3, and all additional coverages included in or added to the policy by rider, endorsement, or otherwise, whether or not required under Title 61,...”

• Mont. Code Ann. Sec. 33-23-202 (Reimbursement for total loss of motor vehicle based on actual replacement value)

  “Each motor vehicle insurance policy issued to residents of this state that provides that reimbursement for total loss of a motor vehicle be based on a "book" value rather than on the actual replacement value is void as to that provision, and reimbursement must be made for actual replacement value...”

• Mont. Code Ann. Sec. 33-23-203(1), (1)(a) (Limitation of liability under motor vehicle liability policy)

  “Unless a motor vehicle liability policy specifically provides otherwise, the limits of insurance coverage available under each part of the policy must be determined as follows, regardless of the number of motor vehicles insured under the policy, the number of policies issued by the same company...”

• Mont. Code Ann. Sec. 33-23-211(1) (Limitations on basis for cancellation)

  “A notice of cancellation of a motor vehicle liability policy is effective only if it is based on one or more of the following reasons: (a) nonpayment of premium; or (b) the driver's license or motor vehicle registration of the named insured or of any other operator who either resides in the same...”

• Mont. Code Ann. Sec. 33-23-212(2) (Notice required for cancellation)

  “A notice of cancellation of a policy to which 33-23-211 applies is not effective unless mailed or delivered by the insurer to the named insured at least 45 days prior to the effective date of cancellation. However, if cancellation is for nonpayment of premium, at least 10 days' notice of...”

• Mont. Code Ann. Sec. 33-23-213 (Notice to insured of ground for cancellation, commissioner to ensure compliance)

  “Whenever an insurer gives notice of cancellation of a motor vehicle liability policy, upon request of the insured, the insurer, within 15 days of receipt of the request, shall furnish to the insured a statement setting forth the ground or grounds upon which the notice of cancellation is based.”

• Mont. Code Ann. Sec. 33-23-214(4), (4)(c) (Advance notice required for nonrenewal, exceptions)

  “This section does not apply in any of the following cases: (a) if the insurer has manifested its willingness to renew; (b) in case of nonpayment of premium. However, notwithstanding the failure of an insurer to comply with this section, the policy must terminate on the effective date of any other...”

• Mont. Code Ann. Sec. 33-23-217 (Return of unearned premiums)

  “If an insurer cancels a motor vehicle policy covering a commercial or private motor vehicle for nonpayment of a premium, the insurer shall process the cancellation on a pro rata basis. The insurer shall return whatever gross unearned premium is due under the motor vehicle policy to the insured. For...”

• Mont. Code Ann. Sec. 33-23-102 (Existence of insurance not to be made evident)

  “No attempt may be made in the trial of an action brought against a political subdivision of the state, municipality, or any public body, corporation, commission, board, agency, organization, or other public entity to suggest the existence of any insurance which covers in whole or in part any...”

• Mont. Code Ann. Sec. 33-23-103 (Casualty insurance policy, conformity with state statutes)

  “A casualty insurance policy relative to a risk resident, located, or to be performed in this state must contain a provision or the equivalent thereto as follows: "Conformity with Montana statutes. The provisions of this policy conform to the minimum requirements of Montana law and control over any...”

• Mont. Code Ann. Sec. 33-23-204(1)(a), (1)(b) (Definitions, motor vehicle)

  “(1) (a) "Motor vehicle" means a vehicle propelled by its own power and designed primarily to transport persons or property on the highways of the state. (b) The term does not include a bicycle or a moped, as defined in 61-8-102, an electric personal assistive mobility device, as defined in...”

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More Montana sources

• Mont. Code Ann. s. 33-18-201: Unfair claim settlement practices prohibitedState statute
• Mont. Code Ann. s. 33-18-202: Misrepresentation and false advertising of policies prohibitedState statute
• Mont. Code Ann. ss. 33-20-104 to 33-20-119: Standard life insurance policy provisionsState statute
• Mont. Code Ann. s. 33-17-1001: Suspension, revocation, or refusal of licenseState statute
• Montana Code Annotated Title 33 Chapter 15 - The Insurance Contract (33-15-101 through 33-15-1126)State statute
• Montana Code Annotated Title 33 Chapter 17 - Insurance Producers, Adjusters, Consultants and Administrators (33-17-101 through 33-17-1205)State statute
• Montana Code Annotated Title 33 Chapter 20 - Life Insurance and Annuity Contracts (33-20-101 through 33-20-1606)State statute
• Montana Code Annotated Title 33 Chapter 22 Parts 1-6 - Disability Insurance: general provisions, individual policy provisions, coverage requirements, group and blanket (33-22-101 through 33-22-604)State statute