Revise motor vehicle insurance laws to include commercial to truck costs

This bill requires Montana motor vehicle insurance policies to cover costs for recovery and debris cleanup services provided by commercial tow truck operators after accidents. The amendment expands existing liability coverage to explicitly include these specific services, which are currently not separately defined in the state's insurance laws. The change affects all vehicle owners and drivers in Montana who purchase or renew auto insurance policies on or after October 1, 2025. Insurance companies must update their policies to ensure this coverage is included within the standard liability limits, which remain unchanged at $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage.