Vermont car accident leads
Summit Leads supplies car accident leads across all U.S. states, Vermont included, by real-time ping/post, exclusive by default and filtered by ZIP code. Vermont claims are fault-based, and 23 V.S.A. 941(c) (Vermont Statutes, as of October 2026) sets uninsured motorist coverage at no less than $50,000 per person, above the liability minimum.
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Vermont facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | Fault-based; owners and operators must carry a liability policy or bond (23 V.S.A. 800(a), as of October 2026)23 V.S.A. 800, Maintenance of financial responsibility Vermont General Assembly |
| Minimum liability limits | $25,000 one person, $50,000 two or more persons, $10,000 property damage per crash (23 V.S.A. 800(a), as of October 2026)23 V.S.A. 800, Maintenance of financial responsibility Vermont General Assembly |
| Self-insurance alternative | $115,000 filed with the Commissioner of Motor Vehicles (23 V.S.A. 800(a), as of October 2026)23 V.S.A. 800, Maintenance of financial responsibility Vermont General Assembly |
| Uninsured/underinsured motorist minimum | $50,000 one person, $100,000 two or more persons, on new or renewed policies (23 V.S.A. 941(c), as of October 2026)23 V.S.A. 941, Insurance against uninsured, underinsured, or unknown motorists Vermont General Assembly |
| Uninsured motorist property damage | Up to $10,000 per claim, subject to a $150 deductible (23 V.S.A. 941(a), as of October 2026)23 V.S.A. 941, Insurance against uninsured, underinsured, or unknown motorists Vermont General Assembly |
| Personal injury statute of limitations | Three years, accruing on discovery of the injury (12 V.S.A. 512(4), as of October 2026)12 V.S.A. 512, Assault and battery; false imprisonment; slander and libel; injuries to person or property Vermont General Assembly |
| Comparative fault rule | No bar if the plaintiff's negligence is not greater than the total negligence of the defendants (12 V.S.A. 1036(a), as of October 2026)12 V.S.A. 1036, Contributory and comparative negligence Vermont General Assembly |
| Traffic fatalities | 69 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Serious traffic injuries | 264 in 2023, as of January 31, 2024 (Vermont Highway Safety Office)Highway Safety Plan Annual Report 2023 (Figure 2-3, Serious Injuries) Vermont State Highway Safety Office |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Vermont tort claims and the uninsured motorist floor
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Vermont sets its uninsured motorist floor above its liability floor. Under 23 V.S.A. 941(c) (Vermont Statutes, as of October 2026), uninsured and underinsured coverage on new or renewed policies must be not less than $50,000 for one person and $100,000 for two or more persons killed or injured, and it matches higher liability limits unless the policyholder directs otherwise. Section 941(a) adds property damage coverage of no more than $10,000 per claim, subject to a $150 deductible.
The claim itself is a negligence claim against the driver at fault, decided under the comparative negligence rule below. The injured person pursues the other driver's liability policy and turns to their own uninsured or underinsured coverage when that policy is missing or too small.
Three years from discovery, and the not-greater rule
12 V.S.A. 512(4) (Vermont Statutes, as of October 2026) requires an action for injuries to the person suffered by the act or default of another to be commenced within three years, with the cause of action deemed to accrue on the date the injury is discovered.
Comparative negligence is set by 12 V.S.A. 1036(a) (Vermont Statutes, as of October 2026). A plaintiff recovers if their negligence was not greater than the causal total negligence of the defendant or defendants, with damages diminished in proportion. Where several defendants are liable, each pays in the ratio of its own causal negligence to that of all defendants against whom recovery is allowed.
Accident date and fault answers are what let a buyer apply these two rules at intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary, before a firm spends time on a file.
Vermont minimum liability coverage
23 V.S.A. 800(a) (Vermont Statutes, as of October 2026) bars operating a registered vehicle without a liability policy or bond of at least $25,000 for one person and $50,000 for two or more persons killed or injured, and $10,000 for damage to property in any one crash. Self-insurance is allowed instead if evidence of $115,000 is filed with the Commissioner of Motor Vehicles.
A Vermont lead that records both the other driver's insurer and the claimant's own uninsured motorist coverage tells a firm which of the two minimums is likely to be in play.
Vermont crash deaths and serious injuries
NHTSA's Fatality Analysis Reporting System lists 69 traffic fatalities in Vermont for 2023. FARS reports deaths only.
For injuries, the Vermont State Highway Safety Office annual report for 2023 counts 264 serious injuries in 2023, using numbers as of January 31, 2024.
What buyers in Vermont filter on
Vermont buyers tend to work from a short list of fields, each linked to a statute on this page:
- Insurance details: the other driver's coverage and the claimant's uninsured or underinsured coverage under 23 V.S.A. 941.
- Accident date: recency, and the discovery rule in 12 V.S.A. 512(4).
- Fault answers: citations, impact type and vehicles involved, for 12 V.S.A. 1036.
- Injury and treatment: the injury and whether treatment continues.
- Representation status: whether a lawyer has been retained.
- ZIP code: ZIP code coverage, statewide or local.
Where buyers filter in Vermont
The three largest Vermont metropolitan and micropolitan areas by Census Bureau population on July 1, 2025 appear below; one of them straddles the New Hampshire line. Buyers pick ZIP codes rather than whole areas, and rural Vermont ZIP codes are set the same way.
- Burlington-South Burlington: 227,803 (July 1, 2025 estimate)
- Lebanon-Claremont, NH-VT (micropolitan): 224,500 (July 1, 2025 estimate, whole metro area)
- Rutland (micropolitan): 59,653 (July 1, 2025 estimate)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Vermont car accident leads
Every Vermont car accident lead includes its TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record. Vermont's entry in the state telemarketing laws table covers state calling rules, and the page on leads in Vermont covers MVA and home improvement side by side.
Vermont car accident lead questions
Why is Vermont uninsured motorist coverage higher than the liability minimum?
23 V.S.A. 941(c) (Vermont Statutes, as of October 2026) requires at least $50,000 per person and $100,000 for two or more persons, while section 800(a) sets liability at $25,000 and $50,000. The statutes set the two amounts separately.
What liability limits does a Vermont driver need?
23 V.S.A. 800(a) (Vermont Statutes, as of October 2026) requires $25,000 for one person, $50,000 for two or more persons and $10,000 for property damage in any one crash.
When does the Vermont injury deadline start to run?
Under 12 V.S.A. 512(4), the three-year period runs from the date the injury is discovered. This is general information, not legal advice.
What does Vermont uninsured motorist coverage pay for vehicle damage?
Under 23 V.S.A. 941(a) (Vermont Statutes, as of October 2026), the property damage part covers a claim of no more than $10,000, subject to a $150 deductible that does not apply in some cases where other direct damage coverage exists.
Request Vermont car accident leads
Email us the Vermont ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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