Vermont Auto Insurance Guide
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From Burlington to Brattleboro, Killington to Winooski, Vermont has thousands of miles of roadways. They’ll take you from downtown Montpelier to historic Revolutionary War sites, Stowe ski slopes, the shores of Lake Champlain and into the Northeast Kingdom. They’re used by more than half a million licensed drivers, who each put in an average of nearly 11,400 miles a year. Along the way, those drivers are involved in thousands of traffic accidents every year, including many that result in serious injury or death. Wherever you live and drive in the Green Mountain State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Vermont’s basic vehicle insurance requirements and laws.
Vermont state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Vermont’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Vermont drivers is:
Vermont does not require you to carry additional coverage such as personal liability insurance or Collision and Comprehensive. However, If you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
You are required by law to carry proof of Vermont car insurance in your car and show it if a law enforcement officer asks to see it. Driving without car insurance in Vermont carries a $100 fine for a first offense. You will also have 2 points added to your license and be required to keep an SR-22 proof of insurance form on file with the Vermont DMV.
If you cause an accident, or are cited for fleeing the scene of an accident, driving recklessly or driving under the influence without insurance, you license will be temporarily suspended.
Vermont requires that your insurance company (not your agent) verify your coverage with the state. You must complete a form and submit it so that the state can contact your insurer. Failure to do so can result in suspension of your license and/or registration.
Vermont also allows insurers to consider your credit history to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Vermont. The following laws have recently been enacted in Vermont and may affect your insurance coverage decisions.
Vermont Department of Financial Regulation/Insurance Division
Vermont Department of Motor Vehicles
Insurance Information Institute
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