Vermont Auto Coverage Requirements
This chapter covers the coverage rules a Vermont producer must know to place personal auto correctly: the compulsory liability limits and Vermont's tort (at-fault) system.
Compulsory Liability Limits
Vermont's financial-responsibility law requires liability insurance at the state minimum limits. Under Vermont Statutes Title 23, section 801, the minimums are $25,000 per person and $50,000 per accident for bodily injury and $10,000 per accident for property damage (25/50/10). Vermont also requires uninsured and underinsured motorist coverage. Because these figures can change, verify the current minimums with the Vermont Department of Financial Regulation.
Tort System and the Right to Sue
Vermont is a tort, or at-fault, state: because it does not require no-fault PIP, an injured person keeps the right to sue the at-fault driver for economic and noneconomic damages. Vermont follows a modified comparative-negligence rule under which a claimant who is more than 50 percent at fault is barred from recovery. Confirm the current framework with the Vermont Department of Financial Regulation.
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