What Insurance Coverage Do I Have?
Hi, this is Lucas Foust of Foust Law Office. And I'm here to answer a quick question. First of all, I wanted to welcome you to this website and also to the email that you received from Foust Law Office. But this first question I get is from people who have been involved in a car crash. It's a very important question because it's something they probably didn't think about even when they purchased the insurance policy. One of the first questions I receive from people who've been in a car crash is, what insurance do I have? Well, to answer that question, the first thing you're going to need to do is get a copy of what's called your declarations sheet. The declaration sheet is a document that the insurance carrier sends to you and your family after you purchase an automobile insurance policy. That declaration sheet, it outlines all of the types of coverages that you purchased.
You simply have to call the insurance company where you purchase your automobile insurance. If you can't remember where you purchased your automobile insurance, just simply locate the proof of insurance that you have, hopefully, either in your motor vehicle or on your person. But contact those folks and they will send you a copy of your insurance declarations sheet. On that declaration sheet, it'll outline whether or not you have bodily injury coverage, and just how much coverage you have. Bodily injury is actually required under Montana law. So you'll likely have that.
There will also be a line for whether you purchased uninsured motorist coverage and underinsured motorist coverage as well. There'll be a line for medical pay coverage. To help you answer this question or any other question, I recommend that you contact our office or download a copy of our book Abandoned on the Road, a guide to insurance law in Montana. At Foust Law Office, we believe that an informed client is a better client.