Average broken bones settlement in Montana
Typical MT range (2026)
$13K – $90K
Severe cases can reach $325,000 or more. Montana settlements trend somewhat below the national average.
Fracture settlements vary widely by bone and break type. A simple arm fracture that heals in a cast sits at the low end; compound fractures requiring surgical hardware, or breaks that heal with permanent limitation, reach six figures.
How a broken bones claim actually works in Montana
Montana uses modified comparative negligence with a 51% bar — fault exceeding 50% of the combined total ends the claim.
Montana recognizes an independent claim against an insurer for unfair claim settlement practices, giving claimants a direct remedy for lowball offers or unreasonable delay that most states route through separate bad-faith litigation.
There is no PIP requirement, and minimum liability coverage is $25,000 per person and $50,000 per accident.
Montana rules that shape your claim
Filing deadline
3 years
You generally have 3 years from the accident date to file a lawsuit in Montana.
Fault rule
Modified comparative (51% bar)
Montana bars recovery once your fault exceeds 50% of the combined fault of everyone involved.
Minimum liability coverage
$25K / $50K
Many Montana drivers carry only the minimum — a key reason to check your own underinsured-motorist coverage.
Uninsured motorist coverage
Optional
Montana does not require UM, which is why so many broken bones claims stall at the at-fault driver's minimum limits. Read your own declarations page anyway; most people carry it without realising.
Claim climate
Montana recognizes an independent claim against an insurer for unfair claim settlement practices, which gives claimants a genuine remedy for lowball or foot-dragging adjusters that most states route through bad-faith litigation instead.
Fault math, worked through
25% at fault on a $90K claim pays $68K
Suppose a broken bones claim in Montana is worth $90,000 on the facts. Found 25% responsible, you recover $67,500 — the full value less your share. Montana's modified comparative rule adds a cliff: at 51% or more responsibility you recover nothing at all. That makes the fault percentage the central fight in any Montana claim where liability is genuinely shared, because a few points either side of the line is the difference between a partial recovery and zero.
A typical MT broken bones claim is worth more than the minimum policy that has to pay it
Montana requires drivers to carry $25K per person. A broken bones claim in the typical Montana range tops out around $90,000. That is $65,000 of value with no policy behind it if the at-fault driver bought the legal minimum — and a severe case at $325,000 leaves $300,000 unreachable. This is why the first question worth asking is not what the claim is worth but what coverage exists, and why the answer often turns on your own policy rather than theirs.
| Where the money comes from | Available | What decides it |
|---|---|---|
| At-fault driver's liability policyRuns out first | $25K minimum | Montana's legal floor per injured person ($25K / $50K). Many drivers carry exactly this and nothing more. |
| Your uninsured / underinsured motorist coverage | Optional | Montana does not require it. Check your declarations page anyway; a large share of drivers carry it without knowing, and on a claim this size it is frequently the difference between the policy limit and the actual value. |
| Your medical payments coverage | If purchased | MedPay is optional in Montana and usually small, but it pays bills during treatment without waiting for the claim and without regard to fault. |
| Commercial, employer or umbrella policy | Case-specific | If the at-fault driver was working, driving a company vehicle, or delivering, a commercial policy with far higher limits usually sits behind them. On a broken bones claim worth $90K or more this is the single most valuable thing to establish early. |
The clock
Montana's 3-year deadline against a broken bones timeline
A broken bones claim commonly resolves in 9 to 18 months, comfortably inside Montana's 36-month filing window. The deadline is unlikely to be what decides this claim — but shorter notice deadlines can be, particularly if a city, county or state entity was involved.
Every Montana deadline that can end your claim
The headline statute of limitations is rarely the deadline people actually miss.
| Deadline | Window | Why it matters |
|---|---|---|
| Personal injury lawsuit | 3 years from the crash | Mont. Code § 27-2-204. |
| Claim against a government entity | Notice generally required within 180 days to 3 years depending on the defendant | Montana's tort claims procedures vary by government level — confirm the applicable window early. |
What surprises Montana claimants
Rules that are specific to Montana and routinely catch people who assumed the national norm applied.
You can sue the insurer directly for bad-faith handling
Montana's Unfair Trade Practices Act lets a claimant bring a direct action against an insurer for unreasonable delay or lowballing — a meaningful check on adjuster tactics that most states don't offer as directly.
The 51% bar rewards early, thorough evidence
Crossing the halfway fault line eliminates the claim entirely, so documentation gathered near the crash date matters.
Rural distances shape treatment and evidence timelines
Long distances to specialty care in much of Montana can extend treatment timelines, which insurers sometimes misread as a less serious injury.
Broken Bones settlement bands in Montana
National severity bands adjusted for Montana's cost of care and verdict climate. Find the row that matches your own treatment.
| Severity | What it looks like | Typical range |
|---|---|---|
| Simple closed fracture | A clean break set in a cast, healing in six to eight weeks with full recovery. Wrist, finger, rib. | $9K–$27K |
| Displaced fracture requiring reduction | Bone set under sedation, longer immobilization, physical therapy to restore motion. | $23K–$63K |
| Surgical repair with hardware | Open reduction and internal fixation — plates, rods, or screws — plus months of rehabilitation. | $59K–$180K |
| Weight-bearing, comminuted, or non-union | Femur, tibia, pelvis, or a break that fails to heal. Multiple surgeries, permanent limp or restriction. | $158K–$675K |
Educational ranges compiled from published settlement and verdict reporting. Not a valuation of any specific claim.
Where a MT broken bones claim outgrows the minimum policy
Montana's minimum liability coverage is $25K per person. Reading down this ladder, a broken bones claim clears that figure at the “Simple closed fracture” band — so anyone whose treatment has reached that stage is no longer negotiating over what the claim is worth so much as over where the money is going to come from. Every band on this ladder sits above that figure, so a minimum-limits policy cannot pay a MT broken bones claim at any severity.
Simple closed fracture
$9K–$28K
Claim value passes the state minimum here
A clean break set in a cast, healing in six to eight weeks with full recovery. Wrist, finger, rib.
Displaced fracture requiring reduction
$23K–$63K
Bone set under sedation, longer immobilization, physical therapy to restore motion.
Surgical repair with hardware
$58K–$175K
Open reduction and internal fixation — plates, rods, or screws — plus months of rehabilitation.
Weight-bearing, comminuted, or non-union
$150K–$675K
Femur, tibia, pelvis, or a break that fails to heal. Multiple surgeries, permanent limp or restriction.
How treatment moves a MT broken bones claim
Simple fractures often settle 6 to 10 months after the crash. Surgical fractures run 12 to 24 months — long enough for the hardware to be evaluated and any permanent limitation to be measured.
Emergency imaging and reduction
Fractures are the one injury insurers cannot argue away — the X-ray is objective. Value flows from what happens after.
Casting or surgical fixation
Surgery roughly triples the typical fracture settlement, both through billed cost and through the permanence it implies.
Physical therapy to restore range of motion
The therapy discharge note is where permanent limitation gets recorded. A note reading 'full ROM restored' and one reading '15 degrees short of full extension' are worth very different amounts.
Hardware removal or revision surgery
A second procedure adds cost and pain, and supports an argument for future surgical need.
Impairment rating
Converts residual limitation into a percentage that both sides can price.
Proving a broken bones claim in Montana
X-ray and CT reports describing the fracture pattern
Operative report listing hardware placed
Physical therapy discharge summary with range-of-motion measurements
Dated scar photographs at consistent lighting and distance
Physician opinion on future arthritis or hardware removal
What broken bones compensation in Montana is made of
The $13K–$90K figure above is a total. These are the parts it is a total of, and which of them you have to document yourself.
Medical bills, at the billed amount
Every broken bones demand starts with the total your providers billed — not what a health plan negotiated it down to, and not what you were left owing at the counter. The cost of the same course of treatment runs below the national average in Montana, which is part of why the MT range sits below the national one. The bills that get missed are the ones with no claim behind them: the urgent care visit you paid cash for, the brace, the mileage to twenty physical therapy appointments.
Income you already lost, and income you will
Wages you have missed are the straightforward half — a payroll record proves them. Earning capacity is the contested half: what the broken bones costs you in the years after the file closes. A MT broken bones claim takes 9 to 18 months to value largely because that answer does not exist until a physician will put a lasting restriction in writing. Self-employed claimants carry the heaviest burden here, because there is no employer to write the letter.
Pain and suffering — the line with no receipt
Everything above has a document behind it. This does not, and on a $90,000 broken bones settlement it is usually the largest single component. Adjusters build it with a multiplier applied to the medical total or a per-diem rate for each day of documented recovery. Neither is law; both are anchors. The multiplier moves with objective findings — imaging, surgery, a specialist's written restriction — which is why two claimants with near-identical bills settle for very different numbers.
What the figure does not include
Vehicle or property damage settles on a separate track and does not raise the injury number, so accepting that cheque early costs you nothing. Nor does the range above assume you claimed household help, childcare you had to pay for while you could not lift, or the prescriptions you filled without submitting. Those are recoverable and routinely go unclaimed, because nobody keeps receipts for a bad month.
Broken Bones in Montana: the questions people ask
The questions people actually search for on this topic, answered in full.
How much is a broken bones settlement worth in Montana?
Typical broken bones claims in Montana run $12,500 to $90,000, with severe cases reaching $325,000 or more. Montana settlements trend somewhat below the national average, which reflects the state's legal climate rather than anything about the injury itself. Your own number depends on treatment, permanence, fault, and the insurance actually available.
How long do I have to file a broken bones claim in Montana?
Montana gives you 3 years from the date of the crash to file a personal injury lawsuit. Other deadlines run shorter — claim against a government entity (Notice generally required within 180 days to 3 years depending on the defendant). Missing the applicable deadline ends the claim regardless of how strong it is.
What happens to my broken bones claim if I was partly at fault in Montana?
Montana bars recovery once your fault exceeds 50% of the combined fault of everyone involved. Suppose a broken bones claim in Montana is worth $90,000 on the facts. Found 25% responsible, you recover $67,500 — the full value less your share. Montana's modified comparative rule adds a cliff: at 51% or more responsibility you recover nothing at all. That makes the fault percentage the central fight in any Montana claim where liability is genuinely shared, because a few points either side of the line is the difference between a partial recovery and zero.
Who pays my medical bills after a broken bones in Montana?
Montana has no mandatory personal injury protection, so there is no automatic source of payment while the claim is pending. Your health insurance, medical payments coverage if you carry it, or a provider treating on a lien typically covers the bills, and each of those is then repaid from the settlement. That reimbursement is why the gross settlement figure and what actually reaches you are two very different numbers.
Is the minimum insurance in Montana enough to cover a broken bones?
Montana's minimum bodily injury liability is $25K / $50K. A broken bones claim in the typical range of $12,500 to $90,000 can exhaust that coverage outright, which is why your own underinsured motorist coverage is often what determines whether a serious broken bones is fully paid.
What will the insurance company argue about my broken bones claim?
Because fracture bills are objective, carriers often make an early offer that closely tracks medical expenses plus a small multiplier. That structure ignores scarring, hardware, weather-related pain, and lost range of motion — which are frequently the larger part of the true claim. In Montana that argument lands inside a modified comparative (51% bar) system, so how much it costs you depends on the fault percentage the adjuster can support.
How long does a broken bones claim take to settle in Montana?
Simple fractures often settle 6 to 10 months after the crash. Surgical fractures run 12 to 24 months — long enough for the hardware to be evaluated and any permanent limitation to be measured. Montana's 3-year filing deadline sets the outer limit on negotiation — once it passes, the claim is over, so a case that is still being negotiated as the deadline approaches usually has to be filed to preserve it.
Do I need a Montana lawyer for a broken bones claim?
A broken bones claim that resolved quickly with clear fault can often be handled directly. Representation becomes worth the fee once treatment runs past a couple of months, the adjuster disputes causation, or imaging shows something structural.
What if the driver who hurt me in Montana only had minimum insurance?
Montana's minimum is $25K per injured person, and a broken bones claim in the typical range reaches about $90,000 — so a minimum policy runs out before the claim does. What happens next depends on layers the at-fault driver does not control: your own underinsured motorist coverage, a commercial or employer policy if they were working, and occasionally a second at-fault party. A claim that appears capped at $25K is often not, and finding that out is work done in the first weeks, not at settlement.
How much of a broken bones settlement do I actually keep in Montana?
On a $90,000 settlement — the top of the typical Montana range for this injury — a one-third contingency fee, roughly 4% in case expenses and around 15% in medical liens leave about $43,000. The fee is fixed by the agreement you sign; the lien figure is not. Negotiating providers, a health plan or a Medicare conditional payment down is the one line on that list that moves, and every dollar it moves reaches you in full.
How long does a broken bones claim take in Montana, and can it outlast the deadline?
A broken bones claim usually takes 9 to 18 months, because it cannot be valued until treatment plateaus and a doctor will say so in writing. Montana allows 36 months to file suit. That leaves margin at the long end, but the clock starts at the crash rather than at diagnosis, and shorter notice deadlines apply if a government vehicle or a public property defect was involved.
Is the average broken bones payout in Montana what I should expect?
An average describes a population, not your file. The $12,500 to $90,000 band covers MT claims that differ in the three ways that decide a payout: how much treatment the records actually document, whether liability is contested, and how much insurance stands behind the person at fault. A claim at the bottom of that band and one at the top are usually the same injury with different paperwork. The useful thing to do with an average is work out which end of it your own file currently supports, and what would move it.
What a $90K MT broken bones settlement actually pays you
Gross settlement figures are not take-home figures. Running the standard deductions against the top of the typical Montana range for a broken bones shows the gap, and shows where the recoverable money is — which is almost never the fee.
| Gross settlement | $90,000 | Top of the typical broken bones range in Montana. A severe or surgical case runs well above this. |
|---|---|---|
| Attorney fee (33%) | − $30,000 | One third is the common pre-suit rate; it usually rises to 40% once a lawsuit is filed. Ask which trigger the agreement uses before signing it. |
| Case expenses | − $3,500 | Records, filing fees, expert reports. Normally deducted on top of the fee rather than out of it — confirm which, because on a $90K claim the difference is real money. |
| Medical liens and subrogation | − $13,500 | Health insurers, Medicare, Medicaid and treating providers all hold repayment rights against an injury recovery in Montana. |
| Reaches you | $43,000 | About 48% of the gross — before any lien reduction, which is where this number usually improves. |
Illustrative only, at a one-third pre-suit contingency, case expenses of about 4%, and medical liens of about 15% of the recovery. Every one of those varies. The lien line is the one worth attention: providers, health plans and Medicare frequently accept substantial reductions, and every dollar cut from $13,500 reaches you in full — no further negotiation with the insurer required.
More for Montana claimants
Broken Bones settlements in other states
What causes Broken Bones claims in Montana
Ranges reflect published settlement and verdict data adjusted for Montana's legal climate; they are educational estimates only — not legal advice or a valuation of any specific claim. InjurySage is not a law firm. Laws summarized here can and do change; verify every deadline with a licensed Montana attorney before relying on it. Page updated August 2026.