If you’re involved in an accident with an uninsured driver in Montana, it’s crucial to know your options. Montana is an “at-fault” state, meaning the driver responsible for the accident is liable for damages. However, if the at-fault driver is uninsured, recovering compensation can be challenging. Here’s what you can do:

1. **Uninsured Motorist Coverage**: Check if you have uninsured motorist (UM) coverage as part of your auto insurance policy. This coverage can help pay for medical expenses and property damage caused by an uninsured driver.

2. **Collision Coverage**: If you have collision coverage, it can cover the cost of repairs to your vehicle, regardless of who is at fault.

3. **Legal Action**: You may consider taking legal action against the uninsured driver to recover damages. However, this can be a lengthy and costly process, and there’s no guarantee of recovery if the driver lacks assets.

4. **Report the Accident**: Always report the accident to the police and your insurance company. A police report can be crucial for insurance claims and any potential legal proceedings.

5. **Consult an Attorney**: Consider consulting with a personal injury attorney experienced in Montana’s traffic laws to explore your legal options and ensure you receive fair compensation.

By understanding your insurance coverage and legal rights, you can better navigate the aftermath of an accident with an uninsured driver in Montana.