Appraisal clause
Montana auto policies include the binding appraisal clause.
Sales tax & fees
Montana has no state sales tax, but insurers must include county option tax, title, and registration fees.
Salvage & title rules
Montana uses a total-loss formula; salvage titles required for totaled vehicles.
Diminished value
Diminished-value claims depend on policy form and case law.
How we help in Montana
We pull genuine Montana comparables within the local market, document trim and option packages, apply Montana-specific tax and fee rules, and rebut every condition adjustment line by line.
Recent Montana case result
De-identified outcome from a Montana appraisal we handled. Settlement ranges reflect actual recoveries.
A Billings driver's 2020 Toyota RAV4 XLE was declared a total loss after a multi-vehicle collision. The carrier's CCC ONE valuation came in at $18,400, with three "fair" condition adjustments and two comps pulled from outside the Montana market. Our appraiser rebuilt the comp set using genuine Montana dealer inventory, corrected trim and option coding, and removed the unsupported condition deductions. Final settlement after appraisal: $22,950 — a +$4,550 increase, plus Montana sales tax and title fees paid on top.
Montana DMV & official resources
Official links for title transfers, salvage branding, and registration after a total loss.
- Montana MVD
- Montana DOI complaint line1-800-332-6148
External links open in a new tab. Montana title/salvage procedures change occasionally — verify on the official DMV site before filing.
Montana total loss — frequently asked questions
Browse Montana guides by insurer
Each carrier handles Montana valuations differently. Pick yours for a tailored playbook.
- GEICO in Montana
- State Farm in Montana
- Progressive in Montana
- Allstate in Montana
- USAA in Montana
- Liberty Mutual in Montana
- Farmers in Montana
- Foremost Signature in Montana
- Kemper in Montana
- Travelers in Montana
- Bristol West in Montana
- Lemonade in Montana
- Mercury in Montana
- Safety Co in Montana
- Toogle in Montana
- AAA in Montana
- Tesla Insurance in Montana
- National General in Montana
- Root Insurance in Montana
- Chubb in Montana