This calculator estimates what a dog bite claim could be worth under Montana law. It applies Montana’s 51% bar rule, the three-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.
Montana does not make owners automatically liable for every bite, so the strength of the claim depends on what the owner knew about the dog or how careless they were. The calculator values the injury; proving liability is a separate step.
Montana rules behind this estimate
Fault. Montana uses modified comparative fault with a 51% bar. If you are found 20% at fault, your award drops by 20%. At 51% or more, you recover nothing. Insurers know this, so expect them to argue your share up.
Dog bite rule. Owners are strictly liable for bites inside incorporated cities and towns. Elsewhere the negligence rules apply.
Deadline. You have three years from the bite to file a lawsuit in Montana. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.
Insurance. Most dog bite claims are paid by the owner’s homeowner’s or renter’s insurance, which usually carries $100,000 to $300,000 of liability coverage. Some policies exclude certain breeds or dogs with a bite history, so ask for the policy early.
Damage caps. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.
Montana dog bite questions
Is Montana a strict liability state for dog bites?
Only in some situations. Owners are strictly liable for bites inside incorporated cities and towns. Elsewhere the negligence rules apply.
What if I was partly at fault for the bite?
Yes, as long as you were 50% or less at fault. Your award is reduced by your percentage, and at 51% or more you recover nothing. Provoking or teasing the dog is the usual argument.
How long do I have to file a dog bite claim in Montana?
three years from the bite.
Who pays for a dog bite?
Usually the owner’s homeowner’s or renter’s insurance. Report the bite to animal control and get the owner’s insurance details at the scene if you can.