Does insurance follow the car or the driver in Montana?

The insurance policy usually names a person as the “insured.” However the statute states that any person “using any motor vehicle or motor vehicles with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the motor vehicle or motor vehicles within the United States of America or Canada, subject to limits exclusive of interest and costs, with respect to each motor vehicle” See 61-6-103, MCA.

So if you are driving someone else’s car with their permission (either implied or express) the insurance policy should cover you provided the vehicle is insured and registered in Montana.