Pearson v. MIGA [01/09/12] 2012 MTWCC 1 Although the Montana Insurance Guaranty Association is considered an insurer for certain purposes under this statute, a claimant’s remedy in the form of attorney fees and/or a penalty are found within the WCA, and therefore MIGA would have to be considered an insurer under the applicable WCA statutes for this Court to assess a penalty and/or attorney fees under the WCA.