Why Vermont Requires Uninsured Motorist Coverage — and Why It Matters

Vermont law requires UM/UIM coverage on every auto policy. Here is how this coverage protects you when the at-fault driver has too little insurance.

Mandatory UM/UIM Coverage

Vermont requires auto insurers to include uninsured and underinsured motorist (UM/UIM) coverage. This protects you when the driver who hurt you has no insurance, carries too little, or flees the scene in a hit-and-run.

When It Becomes Essential

After a serious crash, the at-fault driver's minimum liability policy is often exhausted long before your medical bills are paid. UM/UIM coverage on your own policy can then make up the difference, up to your limits.

Claiming Against Your Own Insurer

A UM/UIM claim is made against your own insurance company, which does not make it automatic. The insurer may dispute the value of your injuries. Treating the claim with the same documentation and care as any other protects your recovery.

This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Vermont attorney.