In Vermont it is illegal for a vehicle to be operated if it isn't covered by a minimum amount of liability insurance. Vermont state law requires minimum coverage of:
- $25,000 for bodily injury or death to one person.
- $50,000 total per accident for bodily injury or death.
- $10,000 for damage to property.
Anyone who violates this law (by operating or permitting operation of an uninsured vehicle) may be issued a (civil) traffic citation which would result in the required payment of a fine, the assessment of points against their driving privileges and/or license and the requirement that they file Financial Responsibility Insurance with the Vermont DMV.
Financial Responsibility Insurance is a type of liability insurance coverage on an individual (not on a specific vehicle). The person who has Financial Responsibility Insurance is covered to operate any vehicle (whether the vehicle is owned by this person or not).
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