STATE LAW – VERMONT LIBRARY – GUIDE 04

Who Is an Insured Under Vermont Auto Insurance?

Coverage often depends on whether a person qualifies as an insured under liability, medical-payments, uninsured-motorist, underinsured-motorist, or umbrella coverage. This guide addresses named insureds, resident relatives, permissive users, occupants, pedestrians, and other persons who may qualify under Vermont statutes and policy language.

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Current-law review: September 23, 2026. Verify current statutory definitions, policy forms, omnibus provisions, and controlling decisions before publication.

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PUBLIC-INTEREST LEGAL EDUCATION

VictimsGuide does not provide legal services or create an attorney-client relationship. Verify current primary authority, policy language and applicable law before legal reliance.

Official Vermont sources

Vermont Statutes · Vermont Department of Financial Regulation · Vermont Judiciary

Bottom line. Preserve Vermont-specific UM/UIM, comparative-negligence, government-claim, damages, settlement and current-authority issues before legal reliance.