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A Citizen’s Guide to Auto Insurance and Crash Law

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Guam · Jurisdiction Law Library Hub

Guam Auto Insurance & Crash Law Library

A public legal education and research library for Guam motor-vehicle insurance, statutory benefits, crash claims, liability, damages, deadlines and settlement.

  • Guide 01 + 23 TOPIC GUIDES
  • 25 / 50 / 20
  • Proof required
  • Layout updated September 29, 2026
Browse Guam GuidesGuide 01: How to Use This Library
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Guam Law Library

Numbered guides by legal category

The guide count and sequence are jurisdiction-specific. Categories follow subject matter rather than forcing the 22-topic state sequence.

01

Getting Started in Guam

01Guam Citizen’s Guide — How to Use This LibraryIdentify statutory and policy benefits, liability coverage, responsible parties, proof and deadlines before a final claim decision.›
02–18

Coverage & Insured Status

02Guam Mandatory Auto Insurance, 25/50/20 Minimum Limits & Proof of Financial ResponsibilityRequired insurance, compulsory benefits or minimum-coverage questions.›03Finding Applicable Insurance Coverage After a Guam CrashFinding every potentially applicable policy or statutory benefit.›04Who Is an Insured? Named Insureds, Permissive Drivers & Non-Owned Vehicles in GuamInsured status, permissive use and omnibus-coverage questions.›05Guam Uninsured/Underinsured Motorist Coverage, Policy Terms & Available ProtectionUninsured/underinsured motorist coverage and related conditions.›06Guam Medical Payments, Health Insurance, Workers’ Compensation & CoordinationMedical-payment and coordination questions.›07Guam Insurance Policy Interpretation, Exclusions & Coverage DisputesPolicy language, exclusions and coverage disputes.›18Guam Government Vehicle Crashes, 18-Month Administrative Claim & Government Claims ActGovernment vehicle and public-entity claims.›
08–12

Insurer Duties & Claims Conduct

08Guam Insurance Information, Policy Limits & Pre-Suit Coverage InvestigationCoverage information and pre-suit investigation.›09Guam Claims Handling, Good Faith & Unfair Insurance PracticesClaims handling and insurer-conduct issues.›10Guam Insurance Producers, Applications & Failure to Procure CoverageProducer duties and missing requested coverage.›11Guam Duty to Defend, Reservations of Rights & Liability Coverage DefenseDefense and reservation-of-rights issues.›12Guam Failure to Settle, Excess Exposure & Insurer LiabilitySettlement opportunities and excess exposure.›
13–17

Vehicle & Use Questions

13Guam Borrowed, Non-Owned & Rental VehiclesBorrowed, non-owned and rental vehicle issues.›14Guam Work, Employer & Commercial Vehicle CoverageEmployer liability and commercial-auto coverage.›15Guam Taxi & For-Hire Vehicle Insurance RequirementsRideshare, taxi or for-hire vehicle coverage.›16Guam Transportation/Taxicab Network Companies, 25/50/20 Logged-On & 50/100/30 Ride CoverageRideshare, taxi or for-hire vehicle coverage.›17Guam TNC Claims Investigation, 12-Hour Log Data, Coverage, Exclusions & Policy-Limit DisclosureRideshare, taxi or for-hire vehicle coverage.›
19–20

Liability & Proof

19Guam Modified Comparative Negligence & the 50%-or-Greater BarFault-allocation rules.›20Guam Crash Investigation, Evidence Preservation & Two-Year Injury LimitationCrash investigation, evidence preservation and deadline issues.›
21–23

Damages & Resolution

21Guam Crash Damages, Property Claims, Loss of Use & Three-Year Property LimitationCrash investigation, evidence preservation and deadline issues.›22Guam Wrongful Death, Survival & Two-Year LimitationCrash investigation, evidence preservation and deadline issues.›23Guam Settlement, Releases, Medical Benefits, Liens, UM/UIM & SubrogationUninsured/underinsured motorist coverage and related conditions.›
24

Case Authority

24Guam Auto Insurance & Crash Law Case Authority LibraryJurisdiction-specific legal issue guide.›

Guide 01 · Guam Citizen’s Guide

How to use this library before making a final claim decision

1Find every source of coverage or benefits

Start with the coverage-finding guide and identify compulsory, statutory and policy-based benefits separately.

2Build the liability map

Identify drivers, owners, employers, rental or for-hire operators, government entities and insurers that may have distinct statutory roles.

Guam Published-Law Snapshot

Issues identified in the existing Guam library

25 / 50 / 20

Guam requires at least $25,000 per person, $50,000 per accident bodily injury and $20,000 property damage.

Proof required

Guam’s mandatory-insurance framework requires proof of financial responsibility for registered vehicles and establishes minimum third-party liability coverage.

Modified comparative negligence

Guam uses modified comparative negligence; a claimant at 50% or more fault is barred from recovery.

Higher ride-period limits

Guam imposes separate insurance requirements for transportation network companies and participating drivers during logged-on and ride periods.

Compiler of Laws of Guam

Official Guam Code Annotated, including Title 16 mandatory-insurance provisions.

Guam Department of Revenue and Taxation

Insurance licensing and regulatory resources.

Currentness status: carried forward from the existing hub; layout normalization is not legal-currentness certification.

Primary Research

Official Guam research sources

How this library stays current

Build the complete Guam coverage and claim map

1. Identify the issue and open the relevant jurisdiction guide.
2. Verify current statutes, regulations, program rules, policy language and controlling authority.
3. Keep legal currentness, source integrity and publication checks separate from layout normalization.

Build the complete Guam claim map before closing the file.

Identify compulsory and policy coverage, responsible parties, proof, deadlines, reimbursement interests and release consequences.