Practice Areas

We focus on cases concerning personal injury, automobile collisions, workers’ compensation, wrongful death, and insurance bad faith.

  • Uninsured Motorist Coverage

    Stated broadly, insurance protects a policyholder (and possibly others) by assuming the risk of future loss. The policyholder promises to pay money (a premium) in exchange for the insurance company’s promises to pay for future loss as defined by the insurance policy. So, what is uninsured motorist coverage? Uninsured motorist coverage protects a policyholder from the loss associated with bodily injury caused by the owner or operator of an uninsured vehicle.

    For example, if you have uninsured motorist coverage with policy limits of $25,000, and you are hit in a cross walk by an uninsured vehicle and you have medical bills of $31,000, your insurance company will reimburse you for $25,000 of your medical bills. Your insurance company will not reimburse you for the remaining $6,000 of medical bills.

    This article has presented a general legal principle. It is not intended to be legal advice, which requires more analysis. If you have any questions about your case, please give us a call.

  • Underinsured Motorist Coverage

    Stated broadly, insurance protects a policyholder (and possibly others) by assuming the risk of future loss. The policyholder promises to pay money (a premium) in exchange for the insurance company’s promises to pay for future loss as defined by the insurance policy. So, what is underinsured motorist coverage? Underinsured motorist coverage protects a policyholder from the loss associated with bodily injury caused by the owner or operator of an underinsured motor vehicle, which is a vehicle without enough liability coverage to pay for the policyholders’ losses.

    For example, if you have underinsured motorist coverage with policy limits of $25,000, and you are hit in a cross walk by and vehicle with $25,000 in liability coverage and you have medical bills of $51,000, your insurance company will reimburse you for $25,000 of your medical bills. Your insurance company will not reimburse you for the remaining $1,000 of medical bills.

    This article has presented a general legal principle. It is not intended to be legal advice, which requires more analysis. If you have any questions about your case, please give us a call.

  • Medical Payments Coverage

    Stated broadly, insurance protects a policyholder (and possibly others) by assuming the risk of future loss. The policyholder promises to pay money (a premium) in exchange for the insurance company’s promise to pay for future loss as defined by the insurance policy. So, what is medical payments coverage? Medical payments coverage protects a policyholder from medical expense associated with bodily injury caused by a motor vehicle accident.

    For example, if you have medical payments coverage of $5,000 and you are in a motor vehicle accident and you have medical expenses of $6,000, your insurance company will pay $5,000 of your medical expenses. Your insurance company will not pay for the remaining $1,000 of medical expenses.

    This article has presented a general legal principle. It is not intended to be legal advice, which requires more analysis. If you have any questions about your case, please give us a call.

  • Liability Coverage

    Stated broadly, insurance protects a policyholder (and possibly others) by assuming the risk of future loss. The policyholder promises to pay money (a premium) in exchange for the insurance company’s promise to pay for future loss as defined by the insurance policy. So, what is insurance liability coverage? It protects a policyholder from the loss associated with a claim of wrongdoing. It has two elements. First, if you are sued, your insurance company will hire a lawyer to represent you. Second, if you are legally responsible for harming someone, then your insurance company will pay for her damages up to the policy limit.

    Montana law requires owners to buy liability coverage for their vehicles, with limits no less than $25,000 for the bodily injury or death of one person, $50,000 for the bodily injury or death of two or more people in one accident, and $10,000 for the destruction of property.

    For example, if you have Montana’s minimum liability coverage and you crash into someone and harm her, your insurance company will hire a lawyer to represent you. If you are legally responsible for the crash and the person you hit has $31,000 of medical bills because of the crash and it will cost her $11,000 to get her vehicle fixed, your insurance company will pay her $25,000 for the bodily injury you caused and $10,000 for the property damage you caused. You will still be responsible for $7,000.

    This article has presented a general legal principle. It is not intended to be legal advice, which requires more analysis. If you have any questions about your case, please give us a call.