Mont. Code Ann. » TITLE 33. INSURANCE AND INSURANCE COMPANIES · CHAPTER 15. THE INSURANCE CONTRACT · Part 3. Policy Provisions
Montana Code Annotated

Mont. Code Ann. § 33-15-302 (2026)

Policy Must Contain Entire Contract

✓ current as of May 2026
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  1. MCA Contents
  2. TITLE 33
  3. CHAPTER 15
  4. Part 3
  5. 33-15-302 Policy must contain entire contract

TITLE 33. INSURANCE AND INSURANCE COMPANIES

CHAPTER 15. THE INSURANCE CONTRACT

Part 3. Policy Provisions

Policy Must Contain Entire Contract

33-15-302. Policy must contain entire contract. The policy, when issued, shall contain the entire contract between the parties, and neither the insurer or any insurance producer or representative thereof nor any person insured thereunder shall make any agreement as to the insurance which is not plainly expressed in the policy. This provision shall not be deemed to prohibit the modification of a policy, after issuance, by written rider or endorsement duly issued by the insurer.

History: En. Sec. 274, Ch. 286, L. 1959; R.C.M. 1947, 40-3717; amd. Sec. 1, Ch. 713, L. 1989.

Notes of Decisions
Cited in 5 cases (2 in the last 5 years), 1998–2022 · leading case: Thomas v. Nw. Nat'l Ins., 1998 MT 343, 973 P.2d 804.
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Thomas v. Nw. Nat'l Ins., 1998 MT 343, 973 P.2d 804. · cites it 6× “Section 33-15-302, MCA. XX-XX-XXX. Construction of policies.”
Lee v. USAA Cas. Ins., 2001 MT 59, 22 P.3d 631. · cites it 2× “As provided under § 33-15-302, MCA, an insurance policy must contain the entire contract between the parties, and "neither the insurer or any insurance producer or representative thereof nor any person insured thereunder shall make any agreement as to the insurance which is not…”
Lincoln Cnty. Port Auth. v. Allianz Global Risks US Ins., 2013 MT 365, 315 P.3d 934. · cites it 7× “¶36 The District Court determined that § 33-15-302, MCA, prohibits reformation of insurance policies.”
Nat'l Indem. v. State, 2021 MT 300. · cites it 2× “Likewise, § 33-15-302, MCA, provides that an insurance policy “shall contain the entire contract between the parties,” and that the parties may not “make any agreement as to the insurance which is not plainly expressed in the policy.”
Daniels v. Gallatin Cnty., 2022 MT 137, 513 P.3d 514. · cites it 7× “Section 33-15-302, MCA, requires an insurance contract to contain all the policy’s terms, conditions, and limitations.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.