Obtaining Separate Limits of Auto Coverage for Each Occurrence or Accident

This article examines the issue of what constitutes an accident or occurrence in auto liability policies that limit the insurer\u27s liability for indemnity, defense, or other benefits to a set amount per accident or occurrence. The article reviews a selection of cases from other jurisdictions because there is little Montana law delineating single accidents or occurrences for purposes of auto insurance. The article concludes with a list of factors that may be determinative and should be argued on the issue of whether there are multiple accidents or occurrences for purposes of triggering additional limits of auto insurance coverage