Mont. Code Ann. §61-6-103 — what it says, and how the exam tests it

61-6-103. Motor vehicle liability policy minimum limits -- other requirements. (1) A motor vehicle liability policy must: (a) designate by explicit description or by appropriate reference all motor vehicles with respect to the coverage to be granted; and (b) insure the person named in the policy and any other person, as insured, using any motor vehicle or motor vehicles with the express or implied permission of the named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of the motor vehicle or motor vehicles within the United States of America or Canada, subject to limits exclusive of interest and costs, with respect to each motor vehicle, as follows: (i) $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person; (ii) $50,000 because of bodily injury to or death of two or more persons in any one accident; and (iii) $20,000 because of injury to or destruction of property of others in any one accident. (2) An operator's policy of liability insurance must insure the person named as insured in the policy against loss from the liability imposed upon the operator by law for damages arising out of the use by the operator of any motor vehicle not owned by the operator, within the same territorial limits and subject to the same limits of liability that are set forth in subsection (1) with respect to the operator's policy of liability insurance. (3) A motor vehicle liability policy must state the name and address of the named insured, the coverage afforded by the policy, the premium charged for the policy, the policy period, and the limits of liability and contain an agreement or be endorsed that insurance is provided under the policy in accordance with the coverage defined in this part with respect to bodily injury and death or property damage, or both, and is subject to all the provisions of this part. (4) A motor vehicle liability policy need not insure any liability under any workers' compensation law or any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured or while engaged in the operation, maintenance, or repair of a motor vehicle or any liability for damage to property owned by, rented to, in charge of, or transported by the insured.…