Vermont Car Insurance
Like most every other U.S. state, there are insurance requirements before you can legally operate a motor vehicle in Vermont. The minimum you must have is liability coverage of 25/50/10. This formula means you need $25,000 worth of coverage for injury or death to one individual, $50,000 for injury or death to two or more, and $10,000 for property damage. You can opt to get higher coverage amounts than this, these represent the required minimums. Liability insurance only covers the other party if you are involved in an accident that is your fault, it does not cover any of your medical expenses or property damage.
It is the law in Vermont that you not only have liability insurance as specified, but also that you carry proof of insurance with you at all times when driving. You will need proof of insurance when you register your vehicle, renew your tags, if you are in an automobile accident and if you are pulled over for speeding or another traffic violation. When you obtain your Vermont car insurance, you will be given printed proof of insurance documents to keep in your vehicle and a card to keep in your wallet or handbag. You will also be provided with all the necessary insurance documents that detail your policy and instruct you on how to file a claim.
In many cases it may be wise to get more than just the minimum required coverage. For example, if you have a brand new vehicle that you are financing, you will most likely be required to carry full coverage. This is not a policy type, it is a term that refers to a policy with a variety of coverage areas. For example, you would have liability of course, as well as collision, comprehensive and uninsured/underinsured motorist coverage.
Collision coverage helps pay your medical bills and property damage if you are in a collision with another automobile or an object (such as a pole, tree or mailbox for example.) It does not matter with this coverage if the accident was your fault. Comprehensive coverage helps cover costs incurred if your vehicle is damaged by bad weather such as hail, wind or lightning, or if it is vandalized or stolen. Uninsured/underinsured motorist coverage is good to have because if you are in an accident with a negligent driver who is either not insured or does not have adequate coverage you will be stuck with medical and/or property damage expenses that the party at fault is unable to pay. This type of coverage will take care of these costs in such a situation.
A great way to shop around for Vermont car insurance is to use the Internet to obtain free instant quotes. You can play around with policy types, deductible amounts and more when getting your quotes, which will help you decide how much coverage you need and how much you can afford, in addition to which insurance company can best serve your needs. The process to get an online quote is simple; fill out a basic form that asks about your vehicle and driving history and upon submission you will get the quotes you requested.