Articles written by Commissioner Troy Downing

Commissioner Troy Downing, For The Courier|May 31, 2023

Dear Editor, As the Montana Insurance Commissioner, I am often asked about high premiums in certain lines of insurance. One example is rising premiums in wildfire risk areas. This makes intuitive sense − if the risk of fire and loss is higher, the premium increases to ensure the insurance company can cover their potential losses. An area of insurance that is not always as obvious is liability coverage. In public policy, it is important the law addresses damages to someone when there is o...