Montana Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Montana (MT).

Quick Reference

Key Deadlines

Acknowledgment
PROMPTLY
Accept/Deny
30 calendar days (extendable to 60 calendar days with reasonable request for additional information/documents)
Investigation
PROMPTLY
Payment
30 calendar days (extendable to 60 calendar days if additional information was requested)
Status Updates
No specific statutory or regulatory requirement found

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (with_consent)

Regulatory Authority

Office of the Montana State Auditor, Commissioner of Securities and Insurance (CSI)

Phone: 406-444-2040 or 800-332-6148; Website: https://csimt.gov/; Address: 840 Helena Ave, Helena, MT 59601

Bad Faith: Mont. Code Ann. § 33-18-242

Key Statutes

  • Montana Unfair Trade Practices Act (UTPA), Mont. Code Ann. § 33-18-101 et seq.
Last reviewed: April 1, 2026

Montana handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

No specific statutory language mandated beyond standard disclosures.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.