Quick Facts on Montana Auto Insurance

Montana auto insurance policy requirements as per the state law involves two aspects. For every injured person, the minimum Bodily Injury Liability amount is $25,000, and it should not to exceed $50,000 per accident. The law also states that a minimum limit for the Property Damage Liability Coverage is $10,000.

Such a basic policy is often referred to as 25/50/10 coverage according to the amounts specified therein. Montana abides by a Tort system according to which a person must be proved to be responsible for an accident and that person and the insurer of the vehicle would be held liable for all damages. The Tort system varies from one state to another. The residents of Montana paid premium of $1,724 on an average in 2009 as against a national average of $1,796. Montana auto insurance companies segment their policies in such a way so that they cover all the requirements of the customers and all the insurance companies have the right kind of product mix to maximize their gains. Therefore in the Montana auto insurance market one should search for the right kind of insurance.

Legal compliance with Montana auto insurance and driving laws requires adherence to four rules. Firstly, possession of a surety bond issued by an authorized company that can operate in Montana. Else, one should be able to produce two individual sureties from two people owning real estates valued at a minimum of twice the value of the bond. The driver should be able to make a cash deposit of $55,000 with the state treasurer. If one has a minimum of 25 vehicles registered under his/her name, then he/she is required to get a self-insurance certificate. Lastly, the driver must possess conventional liability insurance from a recognized insurer.

The above compliance policies ensure that one is financially responsible for the vehicle that he or she drives in the state of Montana.

If a person drives in the state of Montana without Montana auto insurance, it is considered illegal and there are severe legal implications for such actions. If one is a first time offender then he/she would slapped a fine of up to $500 with or without a jail term of up to 10 days. In addition to that, the defaulter could be charged with up to 5 points on his/her driving license.

Quick online facts on quality and affordable Montana auto insurance, now under full review on http://www.onlineautoinsurance.com/montana/

Western Gifts - Finding Made in Montana Souvenirs

Montana has long been known for big blue skies, gorgeous mountains, abundant wildlife and spectacular national parks. As the home of both Yellowstone National Park and Glacier National Park, Montana is a favorite tourist location for visitors from around the world. In addition, Montana is rapidly becoming a home for artists and entrepreneurs. When you are traveling in the west and looking for authentic souvenirs, ask for Made in Montana products!

Montana has long been known for big blue skies, gorgeous mountains, abundant wildlife and spectacular national parks. As the home of both Yellowstone National Park and Glacier National Park, Montana is a favorite tourist location for visitors from around the world. Now Montana is also becoming a destination spot for weddings, corporate conferences and a wide variety outdoor adventure vacations.

In addition, Montana is rapidly becoming a home for artists and entrepreneurs drawn to its pristine environment and wide-open spaces. Montana residents are known for friendly personalities and a strong work ethic. The prestige of Made in Montana products is growing along with the state's reputation as the "last, best place".

Montana residents have always been proud of their unique western heritage and the independent lifestyle of their sparsely populated rural state. As early as 1916, the concept of promoting products as Made in Montana was taking hold. Citizens wanted to know what products were being produced by their fellow Montanans and wanted to be able to promote their products outside of the state and to the growing number of tourists and visitors.

The modern Made in Montana program was established in 1984. The mission of the Made in Montana program is to assist Montana's entrepreneurs who are creating, making or growing value-added products. Value-added means Montana residents who make a finished product that has been created, made, produced or enhanced in Montana resulting in fifty percent or more added value.

Businesses who wish to have their products officially designated as Made in Montana must apply to the state for approval. Once approved, the businesses have the right to display Made in Montana labels and logos on their products and promotional materials.

When you are traveling in the west and looking for authentic souvenirs, ask for Made in Montana products to bring home to friends and family!

Read more articles by Kathleen Karlsen, an artist, writer and marketing communications specialist at http://www.kathleenkarlsenart.com/artist-art-matters.html. See modern arts paintings, landscape paintings, floral paintings, universe paintings and an abstract art gallery on her website. Learn more her art and collectors at http://www.kathleenkarlsenart.com/collectors.html.