Car Insurance, Brattleboro, VT

Vermont Car Insurance Requirements
Vermont state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 50/100 UM limits.

Vermont Insurance Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $50,000/$100,000 Limit
Uninsured Motorist Property Damage: $10,000 Limit

The state of Vermont follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.

To help protect against damages caused to you and your passengers by an uninsured driver, Vermont state law requires a minimum Uninsured/Underinsured Motorist coverage of $50,000 per person up to a total of $100,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.

Can you get back dated Car insurance?

No. Any reputable insurance company would not backdate your policy. Some consumers do request that insurance agents post-date or back date policies sometimes so that they can show proof of insurance to a court when they actually had a lapse. The fact is that no auto insurance company should backdate a car insurance policy, period. In general backdating the effective date of an auto insurance policy is not permitted.

If an insurance carrier would backdate the start date of a policy this would inevitably favor the insured, because it opens the insurance company to risk. For example a person could have been in an accident during this time and though they did not have insurance now try to claim it if the insurance was post-dated.

Now if you had been without insurance for a few days you may have been able to reinstate your policy. Most auto insurance carriers will reinstate a policy cancelled for reasons such as non-payment, as long as the lapse in coverage is less than 30 days, and there are no losses or claims. When such as reinstatement is done you must normally sign a statement of no loss so that you verify there were no incidents during the lapse and you could and would not make a claim for that period of time.

Contact us for more information on your Car insurance needs!