Vermont Car Insurance (VT)

Vermont has set minimum requirements for liability insurance for every car insurance policy taken out in the state. Their liability requirements fall into two categories: bodily injury and property damage. The minimum liability for bodily injury is $25,000 for an individual and $50,000 for any one incident. The minimum property damage liability is $10,000.

Get a FREE car insurance quote in Vermont (VT) today >>

Minimum Car Insurance Requirements in Vermont

What this means is that should you be in an accident that is your fault, your insurance company will pay up to $25,000 for injury-related costs for any one person in the other car, and up to $50,000 in medical costs for all passengers in the other car. In addition, they will pay up to $10,000 in repair costs on the vehicle that you hit.

The state also requires insurance coverage for uninsured and underinsured motorists. This insurance is meant to pay your costs should you collide with an uninsured driver, and to cover any gaps in payment should the other driver's coverage be insufficient to cover your costs. The minimums required by the state for this portion of your car insurance policy are $50,000 in bodily injury for one person, $100,000 for all the passengers in your car, and $10,000 in property damage for repairs to your vehicle.

These minimums do not limit your liability, and it is recommended that you buy car insurance with higher coverage limits than those required by law. There are also a number of holes left open by the statutory requirements, which you can fill with optional insurance clauses.

Get a FREE Vermont car insurance quote today >>

Other Car Insurance coverage Options in Vermont (VT)

In the case of an accident where you are at fault, damage to your car is covered by collision insurance. Damage to your vehicle from non-accident related occurrences is paid for by comprehensive insurance. Comprehensive insurance covers damage from such causes as storms, fire damage, theft or vandalism.

Also available is an insurance clause covering medical payments. This option will pay for the medical costs for you and your passengers, regardless of who is at fault in the accident. Medical payments clauses are sometimes written so the coverage is active for a specific period after the accident – for instance, one year. This insurance may also pay for lost wages, rehabilitation, and other injury-related costs that are not direct medical expenses.

You can also purchase coverage for towing, which will pay for having your car removed from the scene of an accident. And you can buy coverage for a rental car, which will be paid for while your car is in the shop.

Get a FREE auto insurance quote for Vermont today >>