Does Vermont Allow UM/UIM Stacking? What 23 V.S.A. 941 Says

By the FigureMyTax Editorial Team · How we calculate

The Vermont statute we read neither allows nor bans stacking. Section 941 requires the coverage, sets minimum limits, and defines an underinsured vehicle by comparing the other driver's limits with your UM limits.

Required coverage

Section 941(a) and (c) requires UM, underinsured and hit-and-run coverage in every auto liability policy for a vehicle registered or principally garaged in Vermont, in at least $50,000 for one person and $100,000 for two or more. If your liability limits are higher, your UM limits are the same unless you direct otherwise. Property damage coverage is up to $10,000 per claim with a $150 deductible in some cases.

Underinsured

Subsection (f) says a vehicle is underinsured to the extent that the liability insurance limits applicable at the time of the crash are less than the limits of the UM coverage applicable to you, or that available liability insurance has been reduced by payments to others injured in the crash to an amount less than those limits.

Your insurer's reimbursement

Under subsection (e), if your insurer pays under UM it is entitled to the proceeds of any settlement or recovery from the person responsible, but its reimbursement is reduced by a fair portion of the reasonable expenses of recovery, apportioned as the parties' interests appear.

What it leaves open

Nothing in the section adds or bars adding limits across vehicles or policies. We did not read court decisions on stacking; ask an attorney.

How to use this

Compare the results in the Vermont UM/UIM stacking calculator, start with the plain-English stacked versus single-limit explainer, and read how Vermont UM and UIM work.

This is general information, not legal advice, and the state comparisons above are illustrative, not an exhaustive survey. Confirm how Vermont's rules apply to your specific case with a licensed Vermont attorney.