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A Citizen’s Guide to Auto Insurance and Crash Law

State Laws › Vermont

Vermont · State Law Library Hub

Vermont Auto Insurance & Crash Law Library

A public legal education and research library for Vermont auto insurance, crash claims, coverage, fault, damages, deadlines and settlement.

  • Guide 01 + 22 TOPIC GUIDES
  • 25 / 50 / 10
  • 50 / 100
  • Layout updated September 29, 2026
Browse Vermont GuidesGuide 01: How to Use This Library
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Vermont State Law Library

Numbered guides by legal category

Guide numbers remain as registered; categories follow subject matter rather than assuming every jurisdiction uses the same ordinal sequence.

01

Getting Started in Vermont

01Vermont Citizen’s Guide — How to Use This LibraryBuild the coverage and claim map before making a final claim decision.›
02–08

Coverage & Insured Status

02Required Auto Insurance, 25/50/10 Liability & Financial Responsibility in VermontRequired insurance and minimum-coverage questions.›03Finding Applicable Insurance Coverage After a Vermont CrashFinding every potentially applicable policy.›04Who Is an Insured Under Vermont Auto Insurance?Coverage-specific insured status.›05Vermont UM/UIM Coverage, 50/100 Minimums & Matching Higher Liability LimitsUM/UIM coverage, elections, priority or subrogation.›06Vermont Underinsured Motorist Definition, Available Liability, No Liability-Payment Deduction & InsolvencyState-specific legal issue guide.›07Vermont Medical Payments Coverage, Health Insurance, Workers’ Compensation & CoordinationFirst-party benefits and coordination questions.›08Vermont Insurance Policy Interpretation, Exclusions & Coverage DisputesPolicy language, exclusions and coverage disputes.›
09–13

Insurer Duties & Claims Conduct

09Vermont Pre-Suit Insurance Information, Policy Limits & Coverage InvestigationCoverage information and pre-suit investigation.›11Vermont Insurance Agents, Applications & Failure to Procure CoverageProducer duties and missing requested coverage.›12Vermont Duty to Defend, Reservations of Rights & Liability Coverage DefenseDefense and reservation-of-rights issues.›13Vermont Third-Party Failure to Settle & Excess ExposureSettlement opportunities and excess exposure.›
14–17

Vehicle & Use Questions

14Vermont Borrowed, Non-Owned & Rental VehiclesBorrowed, non-owned and rental vehicle issues.›15Vermont Work, Employer & Commercial Vehicle CoverageEmployer liability and commercial-auto coverage.›16Vermont Rideshare/TNC, 50/100/25, $1 Million Liability, $1 Million UM/UIM & $5,000 MedPayUM/UIM coverage, elections, priority or subrogation.›17Vermont Government Vehicle Crashes, State Tort Claims, Municipal Liability & ImmunityGovernment vehicle and public-entity claims.›
18–19

Liability & Proof

18Vermont Modified Comparative Negligence & the Greater-Than-50% BarState fault-allocation rules.›19Vermont Crash Investigation, Evidence Preservation, Three-Year Limitation & Discovery RuleCrash investigation, evidence preservation and limitations.›
10–22

Damages & Resolution

10Vermont Claims Handling, Bad Faith & Unfair Claims Settlement PracticesClaims handling and insurer-conduct issues.›20Vermont Crash Damages, Property Claims, Loss of Use & Three-Year Property LimitationCrash damages and property-loss questions.›21Vermont Wrongful Death, Survival & Two-Year Discovery-Based LimitationWrongful-death and survival claims.›22Vermont Settlement, Releases, MedPay, Liens, UM/UIM & SubrogationUM/UIM coverage, elections, priority or subrogation.›
23

Case Authority

23Vermont Auto Insurance & Crash Law Case Authority LibraryState-specific legal issue guide.›

Guide 01 · Vermont Citizen’s Guide

How to use this library before making a final claim decision

2Build the liability map

Identify all responsible persons and entities and use the vehicle, government and fault guides.

Vermont Published-Law Snapshot

Issues identified in the existing Vermont library

25 / 50 / 10

Vermont requires at least $25,000 per person, $50,000 per accident bodily injury and $10,000 property damage.

50 / 100

New or renewed policies must provide at least $50,000 per person and $100,000 per accident in uninsured/underinsured motorist protection.

UM generally matches

If liability limits exceed 50/100, Vermont generally requires matching UM limits unless the policyholder directs otherwise.

30-day response

After a qualifying written request, an insurer that may be liable must provide the insurer, insured and liability limits within 30 days.

Vermont General Assembly

Official online statutes, including 23 V.S.A. §§ 800 and 941.

Vermont Department of Financial Regulation

Insurance regulation and consumer resources.

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

Primary Research

Official Vermont research sources

How this library stays current

Build the complete Vermont coverage and claim map

1. Identify the issue and open the relevant numbered guide.
2. Verify current primary authority, policy language and effective dates.
3. Keep legal currentness, source integrity and publication checks separate from layout normalization.

Build the complete Vermont claim map before closing the file.

Find every policy, preserve evidence and deadlines, and review damages, reimbursement and release consequences.