With some of the most breathtaking landscape in the Northeast, Vermont is a great state to explore on the back of a motorcycle. However, before you strap on your helmet, fire up the engine, and hit the road, make sure you’re covered with a reliable insurance policy and that you’re knowledgeable of Vermont motorcycle insurance regulations.
Below is everything you need to know about motorcycle insurance in Vermont.
Motorcycles vs. Mopeds
In Vermont, separate insurance policies are applied to motorcycles and mopeds.
Motorcycles are considered motor-driven vehicles that have no more than three wheels and a seat or saddle for the rider/s.
Mopeds are considered motor-driven cycles that have two or three wheels and are powered by a direct or automatic power-driven system with foot pedals for propulsion. Mopeds have a maximum two-brake horsepower and a maximum piston displacement of 50 cubic centimeters that propel the cycle not more than 30 miles-per-hour on a flat surface.
Requirements For Motorcycle Insurance
Insurance minimums vary by state. In Vermont, motorcycle liability minimums are:
$10,000 for damages to property in any one accident
$25,000 for injury or death to one person
$50,000 for injury or death to two or more people
Keep in mind that additional coverage can always be purchased in an a la carte fashion, meaning you can tailor your insurance policy to fit your wants and needs.
Taylor Moore Insurance recommends the following coverage for motorcycle insurance:
$100,000 for damages to property in any one accident
$250,000 for injury or death to one person
$500,000 for injury or death to two or more people
Motorcycle Insurance Options
Just as you shopped for your motorcycle, you should also shop for the ideal insurance policy. Insurance options include:
covers bodily injury and property damage suffered by other people in the event of an accident.
covers property damage to your motorcycle in the event of an accident. Depending on your insurance provider, collision coverage will pay for accident damages (minus your deductible) or the book value of your motorcycle before it was involved in an accident.
pays for damages not caused by a collision but other events such as fire, theft, vandalism, etc.
Uninsured motorist coverage:
pays for medical treatment, lost wages, and property damage if you are hit or injured by a motorist who has no insurance.
Underinsured motorist coverage:
this coverage provides injury and damage payments if you’re hit by an motorist who has low coverage limits.
Requirements For Wearing A Helmet
For decades, helmets have been a controversial topic for motorcyclists. However, in Vermont, helmets are a must if you wish to comply with insurance policies. The Vermont statute reads:
“No person may operate or ride upon a motorcycle upon a highway unless he wear upon his head protective headgear reflectorized in part and of a type approved by the commissioner. The headgear shall be equipped with either a neck or chin strap”
Note that this statute applies to all persons riding a motorcycle, not just the driver. Individuals who fail to comply with this regulation are subject to fines of $12.50 to $1,250 depending on the officer’s discretion.
Getting Motorcycle Insurance in Vermont
To have valid motorcycle insurance in Vermont, you have to establish financial responsibility. Taylor Moore Insurance can help you obtain a motorcycle insurance liability policy that fits your needs
For more information on Vermont motorcycle insurance or to shop for a policy that works for you, visit Taylor Moore Insurance, today.