Core Vermont Statutes

• 23 V.S.A. § 941 — uninsured and underinsured motorist coverage.
• 12 V.S.A. § 1036 — modified comparative negligence.
• 23 V.S.A. § 800 — compulsory insurance and financial-responsibility requirements.
• 12 V.S.A. § 512 — principal personal-injury limitation period.

Leading Vermont Decisions

• Monteith v. Jefferson Insurance Co. (Vt. 1992) — portability and interpolicy stacking of UM/UIM coverage.
• Hubbard v. Metropolitan Property & Casualty Insurance Co. (Vt. 2007) — statutory limits on UM/UIM exclusions.
• Progressive Insurance Co. v. Brown, 2008 VT 103 — owned-vehicle exclusions and Vermont UM public policy.

Use these authorities with current Department of Financial Regulation materials, later citing decisions and the declarations, endorsements and policy language actually issued.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.