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Rhode Island Car Insurance (RI)

Rhode Island Car Insurance

The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $25,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Uninsured motorist;

Proof of insurance required:
- At registration (NO)
- At time of accident (NO)
- At all times in vehicle (NO)

Instead of policy limits, policyholders can satisfy the requirement with a single combined policy. Amounts vary by state.

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Rhode Island Auto Insurance: Better Protection For Safer Driving in Rhode Island

The state of Rhode Island requires higher coverage limits for its motorists than other states in America. This ensures that the state’s motorists will have more protection in case they get into vehicular accidents. Both bodily injury and property damage are required to be covered at minimum amounts in Rhode Island. State laws provide that a minimum coverage of $25,000 be purchased for bodily injury. This coverage indemnifies a third party for injuries he may have sustained because of an accident you have caused. Your coverage should be able to provide indemnity for a maximum of $50,000 per accident. Property damage liability provision is set at $25,000. Bear in mind that these amounts are merely minimum requirements as per Rhode Island motor vehicle laws. Depending on the severity of damage or injuries you, your passengers, and third parties might sustain, these minimum amounts might not be enough to cover all expenses. If you are found at fault in a road accident in Rhode Island, you will be held liable for all the financial obligations in terms of repairs, replacements, medical treatment, burial expenses, and other damages as the courts may deem fit. This follows the tort system that is in force in the state of Rhode Island.

On the other side of the coin, you can invoke your right to demand for financial indemnity from the person at fault if you are injured in an accident through no fault of your own. The other person and his insurance company should be held financially liable for all expenses arising from the accident he caused. In serious accidents this could take a long time to settle especially as huge amounts of money are involved. Some of these cases are taken to court in order to ensure fair settlement of claims. For minor damages and injuries that do not require much in terms of expenses, you can actually avoid the hassle of having to run after the person at fault by protecting yourself with an uninsured/underinsured motorist coverage. This coverage is also mandatory in Rhode Island. Not only does this protect you from a person without ample insurance coverage, this also protects you against people at fault who run off and evade their financial obligations as in the case of a hit and run. Rhode Island statutes require that you have at least $25,000 in coverage for an uninsured/underinsured motorist coverage up to a maximum limit of $50,000. Other benefits might not be required but could provide you with valuable protection as well. It would be good to ask your insurance provider to give you more information about these other benefits.

Enter Your Zip Code to Find Insurance Quotes in Rhode Island:

Rhode Island Department of Insurance

  • 1511 Pontiac Avenue, Cranston, RI 02920
  • Phone: (401) 462-9500
  • Fax: (401) 462-9532

Rhode Island Department of Transportation

  • Two Capitol Hill, Providence, RI 02903
  • Phone: 401-222-1362
  • Fax: 717-783-0505

Rhode Island Division of Motor Vehicles

  • 100 Main Street, Pawtucket, RI 02860
  • Phone: (401) 462-4368
  • Fax: (401) 462-0829
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