The Minimum Amount of Auto Insurance Allowed by Law

Vermont car insurance requirements are in place to protect drivers financially if they are involved in an accident. The state of Vermont requires all drivers to carry a minimum amount of liability coverage for bodily injury and property damage as well as a minimum amount of uninsured/underinsured motorist coverage.

The minimum amount of liability coverage allowed by law in the state of Vermont is commonly referred to as 25/50/10 coverage. This means that all drivers must carry $25,000 in bodily injury liability coverage for every person injured in an accident, up to $50,000 per accident if two or more people are injured. Drivers must also carry at least $10,000 of property damage liability coverage.

Vermont car insurance requirements also mandate that all drivers carry uninsured/underinsured motorist coverage of $50,000 per person in a single accident up to $100,000 if two or more people are injured. Uninsured/underinsured motorist coverage is in place to pay for medical bills sustained by you or your passengers if you are involved in an accident caused by another driver who is uninsured or whose insurance limits are not enough to cover your medical expenses.

Vermont follows a tort system which means that when an accident occurs, someone must be found to be at fault for causing the accident. Because someone must be found to be at fault, all drivers are required to carry a minimum amount of liability coverage. There are many other types of coverage options available to drivers but liability coverage and uninsured/underinsured motorist coverage are the absolute minimum that you must have in order to comply with Vermont car insurance requirements.