Many adjusters are not aware of the requirements of Montana Law or may be interpreting the law and policy in the company's favor. You should contact an attorney before resolving any claim with an insurance company. You should contact an attorney experienced with Insurance Claims. There are numerous obligations in Montana that insurance companies are required to comply with. An attorney can help you decipher these documents.
Insurance policies are usually less than clear.
The Montana Insurance Code places certain obligations upon insurance companies to provide certain coverage in Montana. Some companies simply do not comply. While the insurance policy says it does not cover a certain item or only provides certain coverage, if the insurance Code mandates the coverage then there is coverage. Both the Code and the Policy must be viewed in light of Court interpretations of both. Confusing provisions in an insurance policy will be construed strictly against the insurance company.