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Vermont Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Vermont. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Vermont Car Insurance Laws

Liability coverage is designed to protect you for injuries and damages to other people and property caused by the negligent operation of your car. When purchasing liability insurance in Vermont you must buy at least the mandatory limits set by law. These mandatory amounts of coverage are 25/50/10: $25,000 for bodily injury per injured person; $50,000 for bodily injury of more than one person per accident; and $10,000 for property damage per accident.

Uninsured/Underinsured Motorists (UM/UIM) provides coverage for bodily injury to you and your passengers if you are involved in an accident caused by a driver who is uninsured or underinsured. Vermont auto insurance laws require a minimum amount of UM/UIM coverage at 50/100/10: $50,000 for bodily injury per injured person, $100,000 for two or more person per accident; and $10,000 is the maximum you can purchase for property damage per claim.

These amounts are basic minimums and some consider these limits insufficient protection for most people. Realistically, if you have a major asset to protect such as a house, you probably ought to buy more coverage if you can afford it.

State of Vermont Department of Motor Vehicle

The Vermont Department of Motor Vehicles provides a majority of service information on its' website. From its' website, the Vermont DMV conducts services primarily by email. Vermont DMV also provides Driver License Manual, Motorcycle Manual, Snowmobile Operator's Manual and more for easy downloading. Vehicle inspection requirements and locations are posted. Vermont DMV requires that you file an accident report within three days if you are involved in an accident and anyone suffers injuries and/or the amount of property damage totals $1,000.00. The accident reporting forms are available on the website.

Vermont Insurance Division

The Vermont Insurance Division is encompassed within the Vermont Department of Banking, Insurance, Securities & Health Care Administration. The Vermont Insurance Division website provides Insurance Rate Comparison Charts, consumer help and Vermont regulations and bulletins directed for the public. Free best-selling Consumer Guides are also available on-line for such topics as buying investments, health insurance, managed care, workers' compensation for business owners, homeowner's insurance and auto insurance. The Vermont Auto Insurance Guide for Consumers provides information on where to shop for car insurance, helping you understand important parts of a car insurance policy, understanding price factors, and where to direct problems or complaints relating to car insurance or claims.