VT DMV Insurance and Financial Responsibility 2 — Questions and Answers
Question 1: What is the minimum bodily injury liability coverage per person required for Vermont drivers?
- $25,000 (Correct answer)
- $15,000
- $50,000
- $10,000
Correct answer: $25,000
Vermont requires minimum bodily injury liability coverage of $25,000 per person.
Question 2: What is the minimum bodily injury liability coverage per accident required in Vermont?
- $50,000 (Correct answer)
- $25,000
- $100,000
- $30,000
Correct answer: $50,000
Vermont requires $50,000 in bodily injury liability coverage per accident when two or more people are injured.
Question 3: What is Vermont's minimum property damage liability coverage requirement?
- $10,000 (Correct answer)
- $5,000
- $25,000
- $15,000
Correct answer: $10,000
Vermont requires a minimum of $10,000 in property damage liability coverage.
Question 4: If you are stopped by police in Vermont, what insurance documentation must you be able to provide?
- Proof of insurance, in paper or electronic form (Correct answer)
- Only an original paper insurance card
- A notarized letter from your insurer
- Nothing, as insurance is verified electronically by police
Correct answer: Proof of insurance, in paper or electronic form
Vermont drivers must carry proof of insurance and may show it on paper or electronically, such as on a phone.
Question 5: In Vermont, driving without required insurance can result in which of the following?
- A fine and points on your driving record (Correct answer)
- Only a verbal warning for a first offense
- Automatic vehicle forfeiture
- Mandatory jail time for a first offense
Correct answer: A fine and points on your driving record
Operating without financial responsibility in Vermont is a traffic violation punishable by a fine and points against your license.
Question 6: Uninsured motorist coverage in Vermont protects you in which situation?
- When you are injured by a driver who has no insurance (Correct answer)
- When your own car is damaged by hail
- When you cause damage to another driver's vehicle
- When your car is stolen from your driveway
Correct answer: When you are injured by a driver who has no insurance
Uninsured motorist coverage pays for your injuries and losses caused by a driver who carries no insurance.
Question 7: Which type of coverage pays for damage to your own vehicle when you cause a collision?
- Collision coverage (Correct answer)
- Liability coverage
- Uninsured motorist coverage
- Medical payments coverage
Correct answer: Collision coverage
Collision coverage pays for repairs to your own vehicle regardless of who was at fault in a crash.
VT DMV Insurance and Financial Responsibility 2
What is the minimum bodily injury liability coverage per person required for Vermont drivers?