Montana Car Accident Settlement Calculator
Three questions. We apply Montana's fault rule and the multiplier method insurers use, then show where your number falls among real payouts.
- to file suit in Montana
- 3 years
- or more at fault: no payout
- 51%
- average injury claim (2022)
- $27,078
Real U.S. car accident payouts by amount
Share of the 60,783 real payouts in each range
- Under $2,50016%
- $2,500–$5,00033%
- $5,000–$10,00022%
- $10,000–$25,00015%
- $25,000–$100,0009%
- $100,000 or more5%
U.S. Treasury, New York City and Chicago records.
- 1Injury
- 2Costs
- 3Fault
Find Out What Your Case Is Actually Worth — Montana
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Montana Car Accident Settlement Data
What insurers paid in Montana, and what real payouts look like nationwide.
In Montana, the average paid bodily-injury liability claim was $27,078 in 2022 and $24,805 averaged across 2020–2022 (NAIC; rank 22 of 50 reporting states, national average $28,919). Montana follows modified comparative fault (51% bar): you recover nothing if you were more than 50% at fault; up to 50%, your award shrinks by your share. You generally have 3 years from the crash to file suit.
- $27,078average BI claim in Montana, 2022
- $5,000median of 60,783 real payouts nationwide
- 3 yearsto file a lawsuit in Montana
How the payouts are spread
Share of the 60,783 real payouts in each range
- Under $2,50016%
- $2,500–$5,00033%
- $5,000–$10,00022%
- $10,000–$25,00015%
- $25,000–$100,0009%
- $100,000 or more5%
One in ten payments was $1,603 or less, half were $5,000 or less, and one in ten was above $35,000. The top 5% start at $95,000. Severe injuries, clear liability and full documentation are what move a claim into that upper range.
Where the data comes from
- U.S. Treasury Judgment Fund37,620 payoutsFederal traffic-related claims, paid when a federal driver (USPS, VA, military and others) was at faultmedian $6,090 · $1.23 billion
- New York City Comptroller21,070 payoutsVehicle claims settled by the city — buses, police cars, sanitation trucksmedian $3,146 · $1.06 billion
- City of Chicago2,093 payoutsVehicle-related settlements involving the city fleet and police departmentmedian $3,825 · $56.5 million
See the Treasury analysis · NYC settlement research · Chicago settlements
State figure: NAIC Auto Insurance Database Report (2022/2023 edition). Figures are average paid bodily-injury liability claims, not total case values.
Car Accident Settlements in Montana
How This Montana Calculator Works
The multiplier method: what adjusters start from, and exactly what our estimate does.
Multipliers we use
- Minor — soft tissue, sprains, bruises1.5× – 3×
- Moderate — fractures, herniated discs2× – 4×
- Severe — surgery, long recovery3× – 5×
- Very severe — several surgeries, lasting pain4× – 6×
- Permanent — disability, disfigurement, brain injury5× – 10×
Still in treatment adds 0.5 to each multiplier. Pain and suffering = medical bills × multiplier; lost wages, vehicle damage and other costs are added at face value; your share of fault is subtracted under Montana law.
Example
$15,000 in medical bills, a moderate injury, $5,000 in lost wages, $3,000 in vehicle damage, not at fault in Montana:
$38,000 – $68,000most likely around $53,000, before attorney fees
Montana Car Accident Laws That Affect Your Settlement
Deadline: 3 years for personal injury, Mont. Code § 27-2-204. Exceptions exist — confirm your date with a lawyer.
Montana Car Accident Settlement FAQs
What is the average car accident settlement in Montana?
The average bodily injury (BI) liability claim payment in Montana was about $27,078 in 2022 (NAIC 2022/2023 Auto Insurance Database Report; 2020–2022 average: $24,805). However, settlements vary enormously based on injury severity — minor soft tissue injuries may settle for $5,000-$15,000, while serious injuries involving surgery can reach $100,000-$500,000+.
How does Montana's fault law affect my settlement?
Montana's modified comparative negligence system means you can recover damages as long as you are 50% or less at fault. Only at 51% or more are you barred from recovery. Your award is reduced by your fault percentage. This directly impacts the settlement amount you can expect to receive.
How long do I have to file a car accident claim in Montana?
In Montana, the statute of limitations for personal injury from a car accident is 3 years from the date of the accident (Mont. Code § 27-2-204). Missing this deadline typically means you lose the right to sue. If filing against a government entity, shorter deadlines may apply.
Does Montana cap car accident settlement amounts?
Montana does not cap compensatory damages in personal injury car accident cases.
Should I accept the insurance company's first offer in Montana?
Generally, no. Insurance companies in Montana typically start with a low offer. The average BI claim payment in Montana is $27,078 (NAIC 2022), and first offers frequently come in well below case value.
Sources and Method
Real payouts: U.S. Treasury Judgment Fund, New York City Comptroller, City of Chicago — 60,783 car accident and traffic claim payments in our database. Insurer averages: NAIC Auto Insurance Database Report (2022/2023 edition). Deadlines: state statutes as cited on each state page.
The calculator is an estimate from a rule of thumb, not legal advice and not an offer. Settlement Insight is not a law firm.
Editorially Reviewed — Content reviewed for accuracy using published legal research, government data, and verified court records. See our methodology. Reviewed by Leonard Goldberg, Editor, last updated .- $236 billion in real payouts analyzed · See what we found
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- Settlement Payment (Net)What you keep after fees and liens
Other personal injury calculators
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