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Advisory Groups icon showing a tornadoVehicle Comprehensive/Collision Summary

A summary of vehicle liability and comprehensive/collision coverages, exclusions, and policy information is provided below. For a detailed policy review and summary of program requirements, please click here for Word (69kb) or here for PDF (40kb). For a current list of insured vehicles please access the State of Montana Property Casualty Insurance Information System (PCIIS).

Summary

  1. Insurer: The State of Montana is self-insured.

  2. Broker: Not applicable.

  3. Term: Continuous.

  4. Liability Covered: Defense against claims or lawsuits arising from property damage or personal injury to third parties arising from the operation as state vehicles as defined in this program binder.

  5. Agencies Covered: All state agencies as defined in §2-9-101, MCA.

  6. Acts Covered: All negligent acts of state employees provided they arise while using the state vehicle in an official capacity on behalf of the state vehicle in an official capacity on behalf of the state (§2-9-305, MCA).

  7. Acts Excluded:

    1. Any personal injury or property which may be covered under a separate workers' compensation, auto, fire, property, or general liability policy.
    2. The conduct of the employee constitutes a criminal offense.
    3. The conduct upon which a claim is based constitutes oppression, fraud, or malice, or for any other reason does not arise out of the course and scope of employee's employment (§2-9-305, MCA).
    4. Liability assumed under contract.
    5. The employee failed to cooperate reasonably in the defense of the case.
    6. The employee compromised or settled the claim without the consent of the Risk Management & Tort Defense Division.

  8. Comprehensive/Collision Coverage: Provided upon request for all state-owned vehicles. Provided automatically for all other vehicles leased for less than 30 days, except motor pool vehicles, not under the auspices of the Department of Transportion, Motor Pool in Helena.

  9. Limit: Statutorily defined at $750,000 per claim, $1,500,000 per occurrence for liability (§2-9-108, MCA). For comprehensive/collision coverage the limit is a reasonable determination of the market value (actual cash value) of the vehicle by the Risk Management & Tort Defense Division.

  10. Deductible: Not applicable for liability (i.e. personal injury or property damage to third parties. There is a $250 deductible for comprehensive/collision coverage on state owned or leased vehicles.