Insurance coverage (and the related litigation) generally involves a dispute between an insurance company (insurer) and its policyholder (insured) regarding whether a loss suffered by the insured is covered by the insurance policy issued by the insurer.

Such coverage disputes may arise after the insured suffers a loss due to theft, fire, or other event—or when an insured (person or business) is served with a lawsuit and requests the insurer defend the insured in the lawsuit, but the insurer denies coverage or only agrees to defend the lawsuit under a reservation of rights (ROR).

Insurance contracts and insurance coverage issues are often complex and an insured is often well-served by promptly discussing these matters with an experienced insurance coverage lawyer.

In Montana, insurance coverage disputes typically involve disagreements between the insurer and the insured about whether a particular loss is covered under the terms of the insurance policy. These disputes can occur in various situations, such as after the insured experiences a loss from theft, fire, or another covered event, or when the insured is sued and seeks defense from the insurer. If the insurer denies coverage or agrees to defend under a reservation of rights (ROR), this means the insurer may later assert that the policy does not cover the claim. Montana law, including state statutes and case law, governs the interpretation of insurance policies and the obligations of insurers to their policyholders. The Montana Unfair Trade Practices Act also provides regulations on the conduct of insurers, including the handling of claims. Given the complexity of insurance contracts and the nuances of state law, it is advisable for individuals or businesses facing insurance coverage issues to consult with an attorney who specializes in insurance law to ensure their rights are protected and to navigate potential litigation.