Statistics from the Montana Department of Transportation paint a grim picture of traffic safety in our state.
According to data available on the DOT’s website, there were 1,057 reported accidents in the state in 2020, the most recent year for which a full report was available. This was the highest number since 2014 and followed several years of declining accidents.
Disturbingly, some of the biggest increases were among crashes involving death or serious injury.
The DOT breaks down accident numbers into categories involving fatality, serious injury, other injury, no injury or unknown. In 2019, there were 37 fatalities reported in Montana crashes. In 2020, the number was 73.
The data suggest that accidents are not only becoming more common, but also more serious. In this environment, Montana drivers must do what they can to protect themselves on the road. And when they can’t prevent an accident, it’s important that they know what to do to get the help they need.
Is the insurance company your ally?
While it’s imperative to carry coverage and plenty of it, you must be aware that in your hour of need, the insurance adjuster is not your friend. The adjuster will be poised to limit what you recoup. That’s because the insurance company is in business to make money and will reduce its payouts whenever possible.
The discussion that ensues is a negotiation. And, when negotiating with an insurance company, it’s important to have an expert negotiator looking out for you.
The plain fact of the matter is that insurance is essential, but it’s not enough when coping with the aftermath of a serious collision. Effective representation can help you navigate the complexities that are bound to come up.