Montana law states that if an insurance company refuses to issue an auto policy to you, they must tell you why, but only if you ask. It may be that the company’s decision was based on incorrect information. You have the right to obtain a copy of the information the company used to make its determination. If it contains incorrect information, you will be allowed to correct it.
After your policy has been in effect 60 days or more, the company cannot cancel it for the remainder of the policy term unless: you fail to pay the premium; your driver’s license or that of a member of your household is revoked or suspended; you have materially misrepresented information requested by the company; your risk changes substantially; or the insurer becomes financially impaired.
In addition, a company intending to cancel or non-renew your policy must give you notice in writing stating the termination date and the reason for termination. The notice must tell you that you have a legal right to appeal to the Montana Insurance Commissioner and obtain insurance through the Montana Automobile Insurance Plan
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