Rhode Island Auto Insurance
Requirements of Motorists under RI State Law
Everyone has an opinion about insurance. Some people
believe it is a conspiracy to con hardworking people out
of money. You can not imagine how much you need insurance
until you something happens that you were not prepared
for.
Weather its a car accident, a flu, a fire,or a theft
these things happen all the time. You never know if or
when something might happen to you. Don't be caught off
guard by life's unpredictable events.
There are certain "requirements" that are applicable
to each state and varies accordingly. We have attempted
to compile all of the relevant information in to this
single resource to help visitors know what is expected
of them in regards to insurance.
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Rhode
Island Car Insurance Requirements
Coverage Minimum - 25/50/25
Coverage Explanation - Car insurance
coverage in Rhode Island must provide a minimum of $25,000
for injury liability for one person in an accident, $50,000
for all injuries in an accident, and $25,000 for property
damage in an accident.
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Important Rhode Island
Auto Insurance Laws!
1. All motorists in RI are required to have a minimum
of liability insurance coverage.
Important to Note:
In accordance with Rhode Island auto insurance law, penalties
will be levied on owners and drivers without the coverage.
If you are involved in an auto accident and the other
driver is uninsured, you should contact the Division of
Motor Vehicles, Financial Responsibility Unit at 1-401-222-2970
to report the uninsured motorist.
###
Under Rhode Island auto insurance law, you may decline
to purchase uninsured/underinsured motorist coverage if
you choose to buy only minimum limits of bodily injury
and property damage liability as required by law.
###
The Tort System
In Rhode Island, the tort system is used when settling
losses caused by auto accidents. Under this system, you
do not buy insurance that protects you directly. Rather,
you buy "liability" insurance that protects
other drivers to whom you become legally responsible for
injury or other damage caused by an accident in which
you are involved, should the accident be your fault.
Read
our review on Lowering your Auto
Insurance
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