{"id":376808,"date":"2016-10-12T16:59:27","date_gmt":"2016-10-12T21:59:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/vermont-law\/vermont-car-accident-compensation-laws.html"},"modified":"2025-02-28T08:46:52","modified_gmt":"2025-02-28T13:46:52","slug":"vermont-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/vermont-law\/vermont-car-accident-compensation-laws.html","title":{"rendered":"Vermont Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-8f761849 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Vermont Car Accident Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a>\n                | Last updated\n        <time>\n                            February 28, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Auto accidents are common in Vermont. This familiarity with Vermont <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents.html\">car accident<\/a> compensation laws is necessary for many drivers. This article discusses what you need to know about Vermont car accidents, including what to do after an accident, an overview of Vermont&#8217;s car accident compensation laws, the state&#8217;s modified comparative negligence rules, and how to get appropriate compensation for your injuries and losses.<\/p>\r\n<h2><b>Vermont Auto Insurance Requirements<\/b><\/h2>\r\n<p>In Vermont, all drivers must carry <a href=\"https:\/\/dmv.vermont.gov\/enforcement-and-safety\/laws\/insurance\" target=\"_blank\" rel=\"noopener\">minimum car insurance<\/a> to operate a vehicle legally. The state mandates liability insurance, which includes at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.<\/p>\r\n<p>Vermont also requires <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/uninsured-motorist-insurance-coverage-and-claims.html\">uninsured motorist and underinsured motorist coverage<\/a> to protect you if you&#8217;re involved in a car crash with a driver who lacks sufficient insurance. This insurance coverage helps ensure that your insurance company can effectively handle your claim. This includes covering medical bills, <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/making-a-lost-wages-claim.html\">lost wages<\/a>, and other related expenses.<\/p>\r\n<h2><b>What Should You Do After an Accident in Vermont?<\/b><\/h2>\r\n<p>Here is a list of what to do if you are in an accident:<\/p>\r\n<ul>\r\n<li><b>Don&#8217;t leave the scene.<\/b> Leaving the scene of an accident, even if it&#8217;s minor, could be considered an illegal hit-and-run<\/li>\r\n<li><b>Get to safety out of traffic and check everyone for injuries.<\/b> Consider providing first aid to any car accident victims.<\/li>\r\n<li><b>Call the <\/b><a href=\"https:\/\/vsp.vermont.gov\/\" target=\"_blank\" rel=\"noopener\"><b>Vermont highway patrol<\/b><\/a><b> or the police department for help and medical assistance.<\/b> Make sure you get a copy of the police report or accident report<\/li>\r\n<li><b>Collect contact information and driver&#8217;s insurance information<\/b> from the people who were driving any vehicles<\/li>\r\n<li><b>Take pictures of the scene and get the contact information of any witnesses.<\/b> Also, check with nearby businesses or homeowners for a copy of their security camera footage<\/li>\r\n<li><b>Call your insurance adjuster<\/b> and notify them of a possible car accident claim<\/li>\r\n<li><b>Get checked out by a doctor<\/b><\/li>\r\n<\/ul>\r\n<p>You can and should consider doing all of this before considering bringing a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/personal-injury-law-the-basics.html\">personal injury lawsuit<\/a>.<\/p>\r\n<h2><b>Vermont Car Accident Compensation Laws: At a Glance<\/b><\/h2>\r\n<p>For more details on Vermont car accident laws, see the table below.<\/p>\r\n<table>\r\n<tbody><tr><th scope=\"row\" style=\"text-align: left;\">Statute of limitations<\/th>\r\n<td><ul>\r\n<li>Three years for personal injury or personal property damage (<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/12\/023\/00512\" target=\"_blank\" rel=\"noopener\">12 V.S.A. \u00a7 512<\/a>)<\/li>\r\n<li>Two years for wrongful death (<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/14\/071\/01492\" target=\"_blank\" rel=\"noopener\">14 V.S.A. \u00a7 1492<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><th scope=\"row\" style=\"text-align: left;\">Limits on damages<\/th>\r\n<td><p>$500,000 per person and $2 million per accident when a state employee is at fault (<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/12\/189\/05601\" target=\"_blank\" rel=\"noopener\">12 V.S.A. \u00a7 5601<\/a>)<\/p>\r\n<\/td>\r\n<\/tr><tr><th scope=\"row\" style=\"text-align: left;\">Other limits<\/th>\r\n<td><p>50% modified comparative negligence (<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/12\/027\/01036\" target=\"_blank\" rel=\"noopener\">12 V.S.A. \u00a7 1036<\/a>)<\/p>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<p><i>Note:&nbsp;State laws are always subject to change through the passage of new legislation, rulings in the higher courts (including federal decisions), ballot initiatives, and other means. While we strive to provide the most current information available, please consult an attorney or conduct your own legal research to verify the state laws you are researching.<\/i><\/p>\r\n<h2><b>Vermont&#8217;s Fault and 50% Modified Comparative Negligence Rules<\/b><\/h2>\r\n<p>Recovering damages for your injuries in Vermont will require you to prove another driver was responsible, or &quot;<a href=\"https:\/\/www.findlaw.com\/state\/vermont-law\/vermont-negligence-laws.html\">at fault<\/a>,&quot; for your injuries. Vermont is a fault state, meaning the at-fault driver is liable for the damages resulting from the accident.<\/p>\r\n<p>The good news is that even if you were partially at fault for a car accident, you may still be able to recover damages. This is because Vermont uses the 50% &quot;<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/comparative-negligence.html\">comparative fault<\/a>&quot; rule. This means you can recover if you were 50% or less at fault for your injuries. The court will simply reduce your damages in proportion to your level of fault. For example, if you suffered $10,000 in damages but were 50% at fault, the court would award you $5,000.<\/p>\r\n<h2><b>Damage Types Allowed in Vermont<\/b><\/h2>\r\n<p>Injured parties often recover monetary damages, known as&nbsp;<a href=\"https:\/\/www.findlaw.com\/litigation\/legal-system\/what-are-compensatory-damages.html\">compensatory damages<\/a>, for their injuries. These include both&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/economic-recovery-for-accidents-and-injuries.html\">economic<\/a> and non-economic damages. This includes past and future medical expenses, disability or disfigurement,&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-property-damage-claims-faq.html\">property damage<\/a>, vehicle repair costs, and other out-of-pocket expenses.<\/p>\r\n<p>Typical&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/what-kinds-of-damages-may-i-claim-for-car-accident-injuries.html\">car accident<\/a> damages include:<\/p>\r\n<ul>\r\n<li>Car repairs<\/li>\r\n<li>Hospital bills<\/li>\r\n<li>Pain and suffering<\/li>\r\n<li>Emotional distress<\/li>\r\n<li>Loss of income<\/li>\r\n<\/ul>\r\n<h2><b>Limits on Damages in Vermont<\/b><\/h2>\r\n<p>Vermont&nbsp;<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/12\/189\/05601\" target=\"_blank\" rel=\"noopener\">limits liability<\/a> to $500,000 per person, with a total of $2 million per accident when an&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/injury-claims-against-the-government.html\">employee of the state<\/a> is at fault. Otherwise, there are no state-imposed monetary limits on economic or non-economic damages available to an injured party.<\/p>\r\n<p>Vermont does have state-imposed deadlines, known as&nbsp;<a href=\"https:\/\/www.findlaw.com\/state\/vermont-law\/vermont-civil-statute-of-limitations-laws.html\">statutes of limitations<\/a>, on how long you can wait before filing a claim against the party at fault for your car accident injuries. Fortunately, the time limits are relatively long:&nbsp;<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/12\/023\/00512\" target=\"_blank\" rel=\"noopener\">three years<\/a> for personal injury and injury to property and&nbsp;<a href=\"http:\/\/legislature.vermont.gov\/statutes\/section\/14\/071\/01492\" target=\"_blank\" rel=\"noopener\">two years<\/a> for wrongful death lawsuits.<\/p>\r\n<h2><b>Get a Claim Review from a Vermont Car Accident Attorney<\/b><\/h2>\r\n<p>Vermont&#8217;s negligence system can make it difficult to estimate the strength and value of your claim. Strict damage caps when the state is the party at fault only compound this challenge. Fortunately, car accident attorneys are available to help guide you through this potentially traumatic time. Get a&nbsp;claim review&nbsp;from a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/vermont?fli=dcta\" target=\"_blank\" rel=\"noopener\">Vermont car accident attorney<\/a> near you.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" 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for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                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                 id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Car accident claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. 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