Montana Pre-Settlement Funding
Big Sky country runs long on hazards and short on courthouses. Funding while your Montana case moves.
Montana’s rural highways see some of the worst traffic fatality rates in the country. Long distances, 80 mph speed limits, wildlife crossings, severe weather, and heavy commercial truck traffic on the I-90 corridor create serious injury conditions across the state. Off the road, Montana’s mining, oil and gas, logging, and ranching industries produce workplace injury rates well above the national average. When a personal injury case is filed in Montana, geography alone can stretch the timeline between filing and resolution. Montana pre-settlement funding advances cash against your active claim on a non-recourse basis. A Montana lawsuit advance covers living expenses, medical copays, and daily costs while your attorney builds toward a fair recovery. If your case doesn’t recover, you repay nothing.
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ No Credit Check
Apply For Pre-settlement Funding
On this page
Montana Qualification Requirements
Three things need to line up before a Montana funding application can reach underwriting. The case must be a personal injury action actively filed in Montana. Your attorney must be handling it on contingency. And the filing must sit inside Montana’s applicable statute of limitations. When all three check out, underwriting builds an offer based on liability, coverage, and documented damages.
Active Montana Case
A personal injury case actively filed in Montana District Court or the federal District of Montana (Helena). Our funding covers plaintiffs across all 56 Montana counties, from Yellowstone and Cascade in the center to Glacier and Flathead in the northwest and Custer and Fallon in the east.
Montana Bar Contingency Attorney
Your attorney holds a Montana State Bar license and is working the case on contingency. All funding documentation moves between our team and your law firm. Given Montana’s geographic scale, remote applications are handled the same way as urban filings.
Documentable Liability
Provable fault on the other party, real documented damages, and a defendant with insurance coverage or collectible assets. Personal income, credit history, and employment status are not part of the underwriting review at any stage.
Case Types We Fund in Montana
Six categories cover the Montana personal injury filings we fund most often. Each goes through individual underwriting on liability, coverage, and damages.
Auto & Highway Accidents
I-90 and US-2 corridor crashes, wildlife-vehicle collisions involving deer, elk, and moose, commercial truck accidents on rural highways, and high-speed incident claims across all 56 Montana counties.
Mining & Industrial
Libby asbestos and vermiculite exposure claims (W.R. Grace legacy), Butte and Anaconda copper mining legacy cases, oil and gas pipeline incidents, and Bakken Formation workplace injuries in eastern Montana.
Premises & Outdoor Recreation
Glacier National Park visitor injuries, Big Sky and Whitefish ski resort accidents, ranch property liability, snowmobile incidents, and commercial premises claims in Billings, Missoula, and Great Falls.
Workplace & Agricultural
Logging and timber injuries in western Montana, farm and ranch equipment injuries, construction site accidents in Billings and Missoula, and third-party claims that fall outside Montana workers’ compensation coverage.
Medical Malpractice
Surgical errors and diagnostic failures at Billings Clinic, St. Patrick Hospital (Missoula), and regional critical access hospitals across Montana; birth injury claims; cases under Montana’s discovery-based med mal statute.
Wrongful Death & Environmental
Wrongful death actions under Mont. Code Ann. § 27-1-513, environmental contamination claims tied to Superfund sites including the Berkeley Pit, and pharmaceutical or product liability MDL filings in the District of Montana.
Montana Pre-Settlement Funding Laws and Regulations
Montana is an at-fault auto state with no mandatory PIP, so liability disputes drive the timeline from day one. Modified comparative fault at the 50 percent threshold means plaintiffs assigned exactly half the fault cannot recover — a stricter standard than some neighboring states. A three-year statute of limitations governs most personal injury claims, while medical malpractice runs from the date of discovery with a five-year absolute cap. Each Montana lawsuit funding decision works within these rules. Confirm specifics for your case with your attorney before relying on the data below.
Statute of Limitations for Personal Injury
- General negligence / personal injury: 3 years under Mont. Code Ann. § 27-2-204 [1]
- Medical malpractice: 3 years from discovery of harm; 5-year absolute repose from the date of the act under Mont. Code Ann. § 27-2-205
- Wrongful death: 3 years under Mont. Code Ann. § 27-2-204
- Product liability: 3 years from the date of injury
Montana medical malpractice runs 3 years from the date the harm was or reasonably should have been discovered, capped at 5 years from the act. Government claims against Montana state entities require notice under the Montana Tort Claims Act (Mont. Code Ann. § 2-9-301). Incidents on or near Montana’s seven reservations may involve tribal jurisdiction questions that affect where and how a claim is filed.
Minimum Auto Insurance Requirements
- Bodily Injury Liability (BI): $25,000 per person / $50,000 per accident [2]
- Property Damage Liability (PD): $20,000
- Uninsured / Underinsured Motorist (UM/UIM): Required at minimum BI limits
- Personal Injury Protection (PIP): Not required — Montana is an at-fault state
Montana does not require PIP coverage. Injured plaintiffs pursue the at-fault party’s liability policy or their own UM/UIM coverage. Montana’s rural geography, 80 mph interstate speed limits, and high wildlife-vehicle collision volume contribute to some of the highest per-capita traffic fatality rates in the country. Wildlife-vehicle collisions often involve coverage disputes that vary by policy language and at-fault driver involvement.
Comparative Fault Rule
- Modified comparative fault under Mont. Code Ann. § 27-1-702
- Plaintiff must be less than 50% at fault to recover — at exactly 50/50, recovery is barred
- Below 50% fault, damages are reduced in proportion to the plaintiff’s assigned fault share
How to Apply for Montana Pre-Settlement Funding
Most Montana files move from application to funded account in 24 to 48 hours, including remote county filings.
1
Submit Your File
Fill out the form at the top of this page or call (800) 961-8924 to start by phone. Montana applications take under five minutes regardless of where in the state you’re located.
2
Document Review
Our team contacts your Montana attorney for case documents. The file goes through underwriting on liability, coverage, and damages. Most decisions come back same day or next business day.
3
Cash Deposited
Once you and your attorney sign the funding agreement, the ACH goes out. Most Montana plaintiffs see the deposit within 24 hours of execution.
Montana Plaintiff FAQ
Are wildlife-vehicle collision cases eligible for Montana pre-settlement funding?
They can be, depending on the circumstances. Pure wildlife collisions with no other vehicle are typically first-party insurance claims rather than personal injury lawsuits. Cases where a negligent driver forced you into a wildlife strike, where a defective roadway contributed to the crash, or where an underinsured motorist was involved can qualify. The case still needs a contingency attorney and documentable liability.
Can Libby asbestos and mining exposure cases get funded in Montana?
Yes. Mesothelioma, asbestos-related disease, and vermiculite exposure claims from the Libby area and other Montana mining operations qualify when actively in litigation with a contingency attorney on the file. These cases often carry significant projected recoveries that can support substantial advance amounts.
How does Montana’s geographic size affect the funding timeline?
Remote Montana filings can involve longer document collection times given distances between courthouses, medical providers, and law offices. We factor that in on rural applications. From the time documents are received, the underwriting turnaround is still typically same-day or next-day regardless of where in Montana the case was filed.
What if my Montana case doesn’t recover?
Nothing comes out of your pocket. Montana pre-settlement funding is non-recourse. A defense verdict, dismissal, or no-recovery outcome ends the repayment obligation entirely. The advance already deposited stays with you.
Resources
- Mont. Code Ann. § 27-2-204 (Montana three-year statute of limitations for personal injury). Source: Montana Legislature, leg.mt.gov.
- Montana Minimum Auto Insurance Requirements. Source: Montana Department of Justice, doj.mt.gov.