Montana Diminished Value &
Total Loss Claims
Everything you need to know about filing a diminished value or total loss claim in Montana. Understand your rights, the process, and how we can help you recover what you're owed.
Montana at a Glance
Montana Auto Claims Law
Montana allows diminished value claims against the at-fault party's insurance under common law tort principles. The state uses the Total Loss Formula for total loss determinations. Montana's 2-year statute of limitations means you should act quickly after an accident.
Important Deadline
You have 2 years from the date of your accident to file a claim in Montana. Don't wait — the sooner you act, the stronger your case.
Four Steps to Fair Compensation
Gather Your Documents
Collect your insurance settlement offer, repair estimates, vehicle photos, and accident report. We'll need these to build your case.
Contact Us for a Free Review
Call, text, or fill out our form. We'll review your situation within 24 hours and let you know if you have a viable claim.
We Build Your Case
Our licensed appraiser creates a certified report using Montana-specific comparable sales data and market analysis.
We Handle the Dispute
We submit the appraisal report to your insurance company and negotiate on your behalf until you receive fair compensation.
Recent Montana Recoveries
2019 Audi Q5 Premium
vs. GEICO
2020 BMW X3 xDrive30i
vs. Allstate
2020 Chevrolet Silverado LT
vs. USAA
2022 Ford Explorer XLT
vs. Farmers
Frequently Asked Questions
Nearby State Guides
Montana Vehicle Owner?
Let's Get You What You're Owed.
We know Montana insurance law and have helped dozens of Montana residents recover fair compensation. Start with a free claim review today.