Introduction
In 2010, drivers in Vermont paid the second lowest motor vehicle insurance premiums in the US, and Maine paid the least amount. However drivers have to follow the minimum insurance requirements in the state if they would like to get vt insurance for their motor vehicles. Here is a low down on the requirements for you to legally drive a car in Vermont.
The VT Insurance
For starters, the minimum vt insurance coverage is liability cover, and this will protect the driver from personal injury and destruction of property that the driver may occasion. In addition, the state of Vermont requires that you have uninsured motorist cover, and this protects the policy holder against injuries and damages caused by and under-insured or uninsured driver. Comprehensive vt insurance is also available, and this provides protection against damage to your vehicle, other vehicles and theft of your motor vehicle. Comprehensive coverage also provides protection against disasters and this can include fire or floods. Collision coverage provides protection against your vehicle colliding with another vehicle, or if your vehicle is hit by an object. This coverage will pay for your vehicle’s current value.
Secondly, in the state of Vermont, a driver has to buy 25/50/10 vt insurance liability coverage, and this covers $25,000 for injuries caused to a single person, $50,000 for injuries to multiple persons, and a basic $10,000 for damage to property. The property can include another vehicle or a structure.
Thirdly, for an uninsured motorist, the vt insurance coverage that is a requirement is a shortened 50/100 UM, and this means that a driver has to buy $50,000 coverage to protect a passenger in the vehicle becoming injured, $100,000 for injuries suffered by multiple passengers, and basic $10,000 coverage for damage to property.
Fourth
The fourth aspect covers legal provisions that guide the registration of motor vehicles if you want to purchase vt insurance. Practical step-by-step information is provided regarding the proper registration of vehicles. If you have such information you can avoid fines and being penalized for not complying with the law. For a new resident, you need to register your vehicle within 60 days of moving to Vermont. You need to have your vehicle inspected 15 days after your vehicle has been registered.
Fifth
Finally, if you would like to renew your registration, you need to personally go to the Montpelier Department of Motor Vehicles. You can also visit the office of the town clerk, register over the internet, through mail or at a self service kiosk that is found in several Department of Motor Vehicle locations.
To renew your motor vehicle registration through mail, you should submit your application one month before your registration expires. You will need to fill in a form to renew your registration, to pay the required tax and for your Title Application. You can find these forms at the Department of Motor Vehicles website.
Once you have filled in your application, you can mail it to the Department of Motor Vehicles, or you can even personally deliver your application so that you can now apply for vt insurance.
