Revising insurance laws regarding uninsured, underinsured motorists

This bill updates Montana's insurance laws to require all motor vehicle liability policies to include underinsured motorist coverage alongside existing uninsured motorist coverage, allowing drivers to accept or reject this additional protection in writing. It specifically defines underinsured motor vehicles as those with liability limits lower than the damages an injured person can legally recover, ensuring broader protection for accident victims. The legislation also strengthens insurance requirements for ride-sharing drivers and their platforms, mandating specific coverage limits while logged on or during prearranged rides and clarifying how claims are handled between driver and platform insurance.