GUAM AUTO INSURANCE & CRASH LAW
Guam Auto Insurance & Crash Law
A practical public-interest guide to local automobile insurance, crash claims, coverage, fault, damages, deadlines and settlement.
GUAM RESEARCH LIBRARY
Current 23-Topic Library
Use these issue pages as the current VictimsGuide navigation for Guam.
01
Guam Mandatory Auto Insurance, 25/50/20 Minimum Limits & Proof of Financial Responsibility
15
Guam Transportation/Taxicab Network Companies, 25/50/20 Logged-On & 50/100/30 Ride Coverage
16
Guam TNC Claims Investigation, 12-Hour Log Data, Coverage, Exclusions & Policy-Limit Disclosure
17
Guam Government Vehicle Crashes, 18-Month Administrative Claim & Government Claims Act
Guam Auto Insurance & Crash Law
VictimsGuide’s Guam library organizes the rules that matter after a motor-vehicle crash: mandatory liability insurance, permissive and non-owned vehicle coverage, UM/UIM, claims handling, transportation-network coverage, government claims, comparative negligence, damages, settlement, liens, subrogation and controlling legal authority.
Guam rules to identify early
- Mandatory insurance: vehicles operated in Guam generally must carry at least $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage.
- Comparative negligence: Guam follows modified comparative negligence; recovery is barred when claimant negligence is equal to or greater than the negligence of the person against whom recovery is sought.
- Government claims: Guam’s Government Claims Act generally requires presentation of a claim within 18 months after the claim arises before suit may proceed.
- Transportation-network coverage: app-based and for-hire operations require separate statutory and policy analysis rather than ordinary personal-auto assumptions.
Preserve the complete policy, proof of insurance, crash report, photographs, video and electronic evidence, and investigate employer, commercial, rental, umbrella and excess coverage before executing a release.
Current-law review: September 17, 2026. Verify current Guam Code provisions, Department of Revenue and Taxation requirements, insurance guidance, court decisions and the policy actually issued before relying on this educational guide.
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