Auto and other vehicle insurances provide financial coverage for accidents, thefts, vandalism or collisions involving a motor vehicle.
Motorcycle insurance covers motorcycles, ATVs and scooters. Coverage can include property, liability including guest passenger, and medical payments.
Motor Home/RV Insurance
Whether you have an RV, Motor Home or 5th wheel, RV Insurance covers your recreational vehicle and its contents while on the road. Stationary units can be covered, too.
Boat & Watercraft Insurance
Most homeowners insurance policies will only cover boats that can travel less than 25 miles per hour. This includes small boats and canoes. Larger or faster boats and personal watercraft require a separate watercraft policy.
What Does Auto and Vehicle Insurance Cover?
Types of coverage available in Vermont for Auto and Vehicle Insurance:
In Vermont there are four primary coverages that comprise the personal automobile insurance policy:
Liability Insurance: Covers the costs associated with injuries and property damage you are responsible for if you cause an accident.
Uninsured/Underinsured Motorist: Covers costs you incurr for your injuries and property damage resulting from an accident with a driver who has no insurance or whose limits are insufficient to cover your loss
Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
Comprehensive: Formally known as “other than collision,” this portion of your policy covers damage to your vehicle from causes such as auto theft and weather damage.
There are also several additional coverages which may be available to you, including:
Medical Payments: Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
Rental Reimbursement: Pays a daily amount for a rental vehicle while your covered vehicle is in the shop for repairs.
Towing and Roadside Service: Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a shop for repair.
As you consider your policy needs, it is important to keep the coverage limits in mind. The costs of a severe crash can quickly exceed the limits. If that occurs, you will have to pay for costs out of your own pocket.