Vermont Auto Insurance After Uninsured Suspension

Bodily injury liability pays medical bills, lost wages, and legal costs when you injure someone in an accident you caused. If you caused an accident while uninsured and now need SR-22 reinstatement coverage, most carriers writing high-risk policies in Vermont offer 50/100 minimums as their floor, effectively forcing you above the state minimum.

Property damage liability covers the other driver's vehicle, guardrails, utility poles, or structures you damage in an accident.

Uninsured motorist coverage pays your medical bills and lost income if you're hit by a driver with no insurance or a hit-and-run driver. Vermont law requires every carrier to offer uninsured motorist coverage matching your liability limits, and you must reject it in writing at policy inception — verbal rejection doesn't count, and the coverage is added automatically if the signed waiver form isn't completed. After an uninsured suspension, most SR-22 carriers include uninsured motorist in the base quote because the rejection paperwork adds underwriting friction.

SR-22 is not insurance — it's a state-monitored certificate your carrier files electronically with the Vermont DMV proving you carry at least the minimum liability coverage. After an uninsured driving suspension in Vermont, the DMV requires 1 year of continuous SR-22 filing starting from your reinstatement date, not your conviction date. If your policy lapses even one day during that year, your carrier notifies the DMV within 10 days and your license is re-suspended immediately, resetting the 1-year SR-22 clock from zero.