Sections 33-18-201, and 33-18-242, MCA are also known as Montana's Unfair Trade Practices Act (UTPA). The UTPA governs the conduct of insurance carriers in Montana and binds them to act in good faith when handling claims. These two statutes prevent insurance carriers from committing fraud, making misrepresentations, and settling one portion of your claim against another portion of your claim, to name just a few restrictions.
In contrast, you, as a claimant, do not even have to be reasonable in your requests. However, being reasonable in your offer or proposal to settle your claim will give you more credibility when the adjuster evaluates your claim. Insurance carriers regularly break laws because it is good business to do so.